gansfuss-umbrella-insuranceAdding extra liability coverage to your auto and homeowners insurance policies can protect your finances from expensive lawsuits.


  • Most people don’t know that in a lawsuit (say, after a serious collision), once your car insurance and homeowners are depleted, lawyers will aim for your available assets.


  • Everyone should have at least a $1-million policy.


  • People who own a boat, snowmobile, motorcycle, RV, etc. will need separate insurance policies and will need to add them to their umbrella policy; otherwise, if an accident occurs while using them, you might have to pay hundreds of thousands of dollars out of pocket.