Personal Umbrella Policies

What if your legal liability exceeds the limits of your home or auto policy? Or someone sues you for a liability claim that is not covered by your other policies. That's when you need a personal umbrella policy (PUP). 

How do you know if one is right for you? You should look at what you are trying to protect.  What do you have to lose? A house? a boat? Your savings? Also look at other factors in your life such as having a young driver on your policy, or if you volunteer in the community. All these variables come into play when considering a Personal Umbrella Policy.

You should meet with your insurance adviser to review if a PUP is right for you and if so what coverage you would require.