The dog that ate my net worth... US Umbrella insurance provides a safety net when your home owners insurance and auto insurance can't cover liability costs over and above $300,000... Umbrella coverage also steps in to handle the coordination and cost of legal defense against liability lawsuits if your home or auto insurer's obligation is exhausted. With some lawsuits lasting for years, legal fees can run over $100,000.

'.. A dog on the loose, a party by the swimming pool, a teen driver on a Saturday night -- these are just a few of the accident-prone situations that can cost a consumer millions in a liability lawsuit...' [PR Newswire]  Believe it or not, volunteering can also open you up to lawsuits, especially if you serve on the board of a non-profit organization...

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