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What Is Umbrella Insurance – and Do I Need It?

Like an umbrella that protects you from the elements on a rainy day, an umbrella insurance policy can shield your personal assets from large liability claims. Umbrella excess liability protection can help you avoid financial ruin if you’re found to be responsible for legal damages that exceed the limits of your homeowner or auto insurance policies. “We live in a litigious society,” says Carole Walker, executive director of the Rocky Mountain Insurance Information Association.
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