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Personal Umbrella policy provides additional liability coverage, that goes beyond your automobile and homeowners liability.
In the State of VT, most insurance companies can only offer $500,000 automobile liability, and $500,000 personal liability. If you or family member covered under your policy is liable for severe injuries or loss of life, judgment against you might exceed $500,000. Personal umbrella offers the piece of mind, and it is mostly used for catastrophic losses, however in today’s litigious society high court judgements are not uncommon and even less severe injuries can quickly add and go beyond your insurance limits.