Who needs to carry personal umbrella insurance?

Umbrella insurance isn't just for the rich and famous. Whether it is a serious at-fault auto accident or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners, renters or boat policy. An expensive judegment is the last thing you want to worry about. An umbrella policy can help protect your assests, future wages, and provide additional insurance protection for those catastrophic liability claims.

It is highly recommended that you carry an umbrella policy if you:

1. Have a youthful driver on your policy;
2. Have a rental property;
3. Serve as a volunteer on any boards;
4. Own a dog;
5. Have a swimming pool;
6. Have a long commute/drive in rush hour traffic;
7. Have guests over frequently.