Envision hosting a pool party where a guest dives into the shallow end, resulting in permanent injury. Subsequently, they hire a lawyer, leading to an extended legal dispute that leaves you and your family financially accountable for their injuries. Do you have sufficient savings to cover both your legal responsibilities and the associated defense costs?

Summary:

Elevate your personal liability limits by obtaining an umbrella or excess liability policy, extending protection beyond your existing auto, boat, or homeowners policies. This not only provides tangible financial value but also invaluable peace of mind. Excess liability insurance can be obtained either through an endorsement to your homeowners policy or as a standalone coverage option.