Personal/Umbrella:

Because homeowner, auto, watercraft, and personal insurance policies have limits on liability protection, many people opt to purchase umbrella insurance, which can add between $1 and $5 million (or more) in liability protection. Umbrella insurance covers any costs above the combined liability limits on your other current policies, including legal fees. Umbrella liability insurance is relatively inexpensive, particularly compared to the added coverage it provides.

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