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One sidebar. Applying for an umbrella policy can be a fairly invasive procedure. My insurance company sent me a 10 page questionaire that included everything from minor legal brushes within the past 5 years and whether I owned dogs and what breed they are. When my agent called to ask how the questionaire filling out went, I told him "Good. My pants fell off halfway through". Which is roughly how I felt.
Some things that can prevent you from getting a large umbrella or at least make the cost very high:
- You own a boat with a large motor
- You own a pool
- Dogs of the "bad breeds" like pit bulls, rottweillers, etc.
- A DUI conviction or other potentially high liability legal issue
I think you get the idea. Now if your pit bull was arrested under the influence of alcohol while driving a pool with a large motor on it I think you're screwed...
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Many an optimist has become rich by buying out a pessimist
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