Members Insurance Center has partnered with some very solid companies to help insure your overall coverage needs. An Umbrella Liability policy may be exactly what you need to protect you, your family, and your assets.

What is peace of mind worth to you? To really feel secure about protecting your assets you may need the extra level of protection provided by personal Umbrella Liability insurance. The cost is minimal compared to the comfort of knowing you’re covered.

The liability insurance you already have may not be nearly enough. Imagine if your dog were to bite a neighbor`s child. Perhaps there is an accident on your rental property. Or a fire in your condo spreads to other units. If any of these things happened to you there’s a good chance your current liability limits would not be adequate to protect your assets—or your future earnings.

Lawsuits are not limited to your net worth. A lot of factors determine the amount of coverage you need. Your financial status, lifestyle and existing coverage are all relevant, but in liability lawsuits — judgements frequently exceed net worth. Talk to your agent to determine the best coverage for you.

To qualify for an Umbrella policy, you must carry specified liability limits on your auto policy. Your home, renter or condominium policy must also include certain limits of liability coverage. The same applies if you own an RV, boat or personal watercraft. Other conditions may apply.

Umbrella Liability insurance starts when the others stop. Once the liability limits are exhausted on your home, auto or other policy your Umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits are available.

An Umbrella policy also pays some claims not covered by your home, auto or other underlying insurance. The policy covers not just you but all members of your household anywhere in the world. Legal defense fees are also paid. Considering the extra security and protection it provides, personal Umbrella Liability insurance is surprisingly reasonable. The average cost can be well under a dollar a day.