When we determine deductibles and coverage limits we are often motivated by the bottom line. What is it going to cost me each month? We think $100,000 auto coverage sounds great. We think our homeowner’s $300,000 policy is more than enough. In most cases, that may be true, but what about:

• • You cause a multi-car accident? It happens more often then you think. Our cars and trucks are getting more and more expensive. A three car accident can easily exceed $100,000 in damage.
  • Your dog escapes from you and bites or causes an accident and now not only do you have to pay for damages, but also medical bills or unemployment income.
  • Someone at your  house had an extra drink and got in an accident.

Personal Umbrella Policies usually cover you at or above a million dollars and the yearly premium is affordable.