Why you need an umbrella

Ah, the joys of home. So many comforts--and so many risks. The dog, the teenage driver, and the monster tree that hangs over your neighbor's yard can all become the stuff of lawsuits. And most homeowner's and auto insurance policies don't offer enough protection against major personal-liability claims. Especially now, with real estate values so inflated, the $250,000 to $500,000 (usually $100k or $300k in TN) liability limit in a typical homeowner's or auto plan may turn out to be woefully inadequate. "It's enough for your typical slip-and-fall situation," says Robert Hartwig, chief economist at the Insurance Information Institute. "But jury awards are becoming much larger and more frequent for serious incidents." 

The answer is an UMBRELLA. We have them. Finish the article here.