Why Personal Umbrella Liability Insurance?

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The following are associated claim scenarios to study:

1. A homeowner had a visitor at his home. The visitor slipped and fell onto the driveway and incurred a serious injury. Though he was liable for medical costs, the homeowners personal umbrella liability policy picked up the $150,000 tab.

2. A policyholder was walking his dog when a youngster approached them. The dog lurched forward and bit the lad’s ear. The coverage kicked in and paid for the $60,000 medical bill.

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