Personal Liability Insurance Coverage

You may think you don't need a million dollar personal liability umbrella policy. Auto and homeowners insurance policies protect you from the liability of property damage and bodily injury up to the limits of your policy. However, many injuries or property damage can exceed those limits, leaving you open to a law suit for the remainder of the damages.

So consider purchasing a personal liability umbrella policy for additional protection and talk it over with your insurance agent. Generally, the advantages of an umbrella policy are:

• it covers gaps in your auto or homeowners policy coverage.
• it covers you everywhere, including outside of the country.
• it provides reimbursement for your lost wages due to court appearances.
• it pays for legal representation if you are sued for a covered incident.
• it covers additional risk of liability from young drivers in your home, or if you volunteer in your community.