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A Personal Umbrella Policy is a low-cost insurance policy that provides excess liability coverage above and beyond the limits of the liability coverage on your personal auto and homeowners policies. This additional coverage pays after you have exhausted your primary coverage if you are sued for damages suffered by someone as a result of an accident - especially an unexpected catastrophic accident - involving your car, property, or recreational activities. You're particularly exposed to the risk of an incident resulting in litigation if you have a swimming pool, have a student driver in the family, engage is high risk activities (jet skiing, Snowboarding, snow skiing, horseback riding, boating etc.). Even the game of Golf results in major lawsuits every year when someone is hit by an errant ball. As you accumulate assets (think home equity), you become a bigger target for lawsuits. If you lose a lawsuit and don't have enough liability insurance, your assets could be taken to satisfy the judgment. In addition, your assets probably include savings and investments. Even your future earnings can be garnished to satisfy a judgment against you. You can add Personal Umbrella coverage to take over where your auto and homeowners coverage ends. Annual premiums start as low as $200 a year for additional coverage of $1 million. Plans are available for coverage up to $10 million.
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Why would anyone want to own slaves?
free labor
What is something you have never done but would like to do?
I want to travel the world. I want have a ride with Lamborghini and Date movie stars! ^^
How many people can fit in a three wheeled car?
not that many the most that you can fit would be three, but if you want to get comfortable you might want tostick with two
How many people were killed in 2006 by accidents and diseases?
No one really knows. Who would want to count dead people anyway? But if you really want to know the answer is 27436
Why do you need to help the needy?
Because if you were in need then you would want help to and because it is a nice thing to do.
What is personal umbrella liability insurance?
So does that mean you cannot get an umbrella liability policy without having some primary coverage first? I am a landlord. Let's say I am not concerned about property damage or fire loss, just liability. Is there any type of insurance I can buy just for liability? _____________________________________________________________________________________________ In answer to your question, by its very nature, there has to be underlying coverage in order to have an unbrella policy. Otherwise, there is nothing for the umbrella to supplement. Different insurance companies have different underwriting requirements as to the amount of underlying coverage you much have to get an umbrella of a stated amount. Since you are a landlord, and presumably want coverage on the rental property, you may want to look into a Commercial General Liability insurance policy. It is a broad form of policy that covers an array of risks. Only a licensed insurance agent can advise you on what is best for your needs. However, since it is rental property, I do not understand why you would not want insurance on the property itself, such as fire insurance, unless the property is uninsurable. --Luke Brown
Is a car insurance umbrella necessary?
If you have unprotected assets, such as a summer home or investment accounts that are not part of an employer-sponsored retirement plan, you may want to consider an umbrella policy. Talk to your insurance agent. Most will require you to have the maximum amount of coverage before they will sell you an umbrella policy. The point of such a policy is to protect you in the event you are sued and the damages suffered by the plaintiff exceed your policy limit. If you have unprotected assets, such as a summer home or investment accounts that are not part of an employer-sponsored retirement plan, you may want to consider an umbrella policy. Talk to your insurance agent. Most will require you to have the maximum amount of coverage before they will sell you an umbrella policy. The point of such a policy is to protect you in the event you are sued and the damages suffered by the plaintiff exceed your policy limit.
What is the cost of one million dollar construction insurance policy?
A one million dollar general liability policy should be about $700.00 - $800.00 annualy if it's written correctly. If you are asking about a Personal Liability Umbrella, the cost may be closer to $200 annual depending on what state you live in and what you want covered under the umbrella, and if your cars it also takes into consideration the driving histories.
What is the best umbrella on the market?
An umbrella is an umbrella. They all work the same way. You may want to get an umbrella that has a design that you like. Even a basic plain umbrella would work great for keeping the rain off of your head.
What if Medical costs exceeds 300K for one person in a car accident?
If your policy limit is 300k then the insurance company will pay them that portion and you will be liable for the rest. If you really want to cover yourself for more than those limits, I would purchase an umbrella type policy that covers over the policy limits.
Where can I buy umbrella with lights from?
If you want umbrella with lights it would be best that you look at your local hardware store. If cannot find one, you can always just put lights under the umbrella.
What is the best kind of outdoor umbrella?
The best material for an outdoor umbrella would definitely be canvas. Be sure to provide at least 2 feet of extra space on all sides of the area you want to be covered by the umbrella. The most cost effective and longest lasting brand of umbrella would be Sunbrella.
What is umbrella liability insurance?
So does that mean you cannot get an umbrella liability policy without having some primary coverage first? I am a landlord. Let's say I am not concerned about property damage or fire loss, just liability. Is there any type of insurance I can buy just for liability? _____________________________________________________________________________________________ In answer to your question, by its very nature, there has to be underlying coverage in order to have an unbrella policy. Otherwise, there is nothing for the umbrella to supplement. Different insurance companies have different underwriting requirements as to the amount of underlying coverage you much have to get an umbrella of a stated amount. Since you are a landlord, and presumably want coverage on the rental property, you may want to look into a Commercial General Liability insurance policy. It is a broad form of policy that covers an array of risks. Only a licensed insurance agent can advise you on what is best for your needs. However, since it is rental property, I do not understand why you would not want insurance on the property itself, such as fire insurance, unless the property is uninsurable. --Luke Brown
Does a deck gazebo provide good shade like a patio umbrella?
That would depend on how much shade you want. Do you want enough shade that your family and a few guests can enjoy it, or will you want to chase the shade of an umbrella all around the patio? A gazebo would be better if you want the shade to be in a more stable position.
Can you get a patio umbrella that doesnt attach to a table?
I do believe you can find a patio umbrella that doesn't attach to a table. A good place to start looking would be your local discount store like Walmart. Where you place a patio umbrella has more to do with the umbrella base or stand than it does the table. A table does help to stabilize the umbrella but it is not necessary. By getting a heavier umbrella stand or even a rolling umbrella stand you can place your outdoor umbrella any where you want to.
Get a sentence for open door policy?
Having an open door policy is inviting but can also be dangerous. This policy can be dangerous because a person could hear personal issues that they do not want to be a part of.
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