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    FAQs > UMBRELLA INSURANCE > How do I know if I need a personal umbrella liability policy?

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    It used to be that the only people who needed personal umbrella liability policies were wealthy individuals who had sizable amounts of personal assets that would be at risk in a lawsuit. However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since they are even less able than a wealthy individual to pay large damage awards, they recognize the need to have coverage limits greater than what can be obtained from their homeowner or auto policies.

    Last updated on November 13, 2012 by SMD Insurance


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