You do not need to be wealthy to be sued for millions. Juries determine damages based on the severity of an accident, not your ability to pay those damages. Do you own or drive a vehicle? Do you own or rent a home? Do you want to protect the assets and investments that you worked hard to accumulate? If you said yes to any of those, you need an umbrella. The truth is EVERYONE needs an umbrella.

Unfortunately, accidents happen.  Sometimes accidents can be severe.  In these instances, you are vulnerable to legal action.  Would your primary policies provide the coverage that you need?  If the settlement is more than what your primary policies can pay, it is your responsibility to pay the rest of the settlement.  You could be forced to sell your home, vehicles, liquidate personal investments or have your future wages garnished.  This could be devastating to you and your family.