Standard home or auto insurance policies only provide coverage up to a certain limit. If a serious accident or lawsuit results in damages that exceed those limits, you could be personally responsible for the remaining costs—putting your savings, property, and future income at risk.
Personal Umbrella Insurance adds an extra layer of liability protection on top of your existing policies. It helps cover large legal judgments, medical bills, or claims that go beyond the limits of your primary coverage.
This type of policy is especially important for individuals with significant assets or higher exposure to risk, as it ensures broader financial security and peace of mind.
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