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    The basic coverage for personal liability in standard homeowners, rental, and auto insurance policies often will not cover high losses of court awarded damages. Additional personal liability insurance will add a higher level of protection. This additional policy forms an umbrella because it covers protection above and beyond standard homeowners and auto policies.

    Additional costs will vary with insurance companies, but usually average from $200 to $300 a year for additional protection of 1 million dollars. This coverage may insure automobiles, boats, homeowners, and renters insurance. Most insurance companies re

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    Additional costs will vary with insurance companies, but usually average from $200 to $300 a year for additional protection of 1 million dollars. This coverage may insure automobiles, boats, homeowners, and renters insurance. Most insurance companies re

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    ional policy forms an umbrella because it covers protection above and beyond standard homeowners and auto policies.

    Additional costs will vary with insurance companies, but usually average from $200 to $300 a year for additional protection of 1 million dollars. This coverage may insure automobiles, boats, homeowners, and renters insurance. Most insurance companies re

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    itional costs will vary with insurance companies, but usually average from $200 to $300 a year for additional protection of 1 million dollars. This coverage may insure automobiles, boats, homeowners, and renters insurance. Most insurance companies re
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    million dollars. This coverage may insure automobiles, boats, homeowners, and renters insurance. Most insurance companies require basic insurance of $100,000.

    The insured should ask the following questions:

    1. How much do I have to lose?
    2. What is the monetary total of my assets?
    3. How much would legal fees cost me?
    4. Are umbrella personal liability policies which cover one million dollars or more worth the extra premiums? Most insurance advisors recommend that they are.

    Rate yourself and your family:

    Are you careless?
    Do you own a pool or an active recreation room?

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