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If you have valuable assets you want to protect against liability claims in court, an umbrella policy adds extra protection. If you have a large net worth — $1 million or more — you may want to consider purchasing an umbrella policy. Most basic home and auto liability policies do not offer more than $500,000 in liability coverage, but umbrella coverage usually begins at a limit of $1 million and can go up to $10 million or more. Likewise, personal injury liability lawsuits can award settlements of $1 million or more.
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