An umbrella personal liability insurance policy is additional insurance for any liability you may have if someone is hurt through your actions or negligence. This insurance covers any damages or costs that exceed the liability limitations of your other insurance, such as homeowners insurance. These policies are very affordable, especially in light of the amount of liability insurance they provide. If you don’t already have this kind of policy, you should get one before you start building an addition to your house or start any kind of remodeling or renovation project in your home. If a worker is injured while working on your home, this policy will cover any claims made against you.

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