05/08/2026
Do you need a ☂️ Personal Liability Umbrella Policy?
Many financial advisors and CFPs recommend carrying liability limits equal to or just above your total net worth — the idea being that a lawsuit shouldn't be able to wipe out everything you've built. Think about it: equity in your home, bank accounts, retirement accounts, and other assets. For most of my customers, that number is higher than they think, and their current limits don't come close to covering it.
***IM me or call the office and we can send you a quote****
⚠️ Real-World Scenarios
These examples are from the State Farm Umbrella brochure — makes the coverage real, doesn't it?
🚗 While driving home, you change lanes to avoid hitting a motorcycle, causing a serious accident. Several passengers in the claimant's car are injured and ask for $1.5 million in damages.
🚦 While traveling over the speed limit, another vehicle pulls in front of you. Your vehicle strikes theirs and a passenger is hospitalized for weeks. A claim of $1.2 million is submitted.
🎂 During a birthday party, guests are playing on the trampoline. One falls off and sustains serious injuries.
🏊 A child slips and is injured while playing in your pool. The parents believe their child was injured due to your negligence and decide to sue.
🐕 The gate to your backyard is left open and your dog gets out and bites a neighbor. Your neighbor files suit alleging your negligence.
⛵ While operating your boat, you hit a water-skier causing serious injury. Damages exceed the liability limits on your boat policy.
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