The umbrella policy is a great idea! I'm in the insurance business and I cant tell you how many people fail to realize the importance of this type of policy. I literally recommend it to EVERY homeowner that comes into my office. I am never "pushy" about it but I do tend to be persistent when it comes to umbrella policies. It's an important product that should sell itself, but I'd say 8 out of 10 don't feel that $18 - $20 a month is worth an additional MILLION in liability coverage. Then again, maybe I'm just a terrible salesman
Honestly though, if you have assets and/or family that you care about... it is definately worth looking into. Just my 2 cents
