Because lawyers drive bulldozers! Think about those stupid Ogle, Elrod & Baril commercials. Not only will they "come to you" they'll also come after you. Causing a minor accident or having a minor injury occur on your property can turn into a legal problem that could haunt you for the rest of your life. It can be incredibly cheap to double or even quadruple your liability. And an umbrella policy is the best protection of all. Call me and we'll talk about it.
Owner/agent Brad Isbell is a strange person -- he actually likes to talk and blog about insurance, safety, and saving money.