When you purchase standard home or auto policies, you obtain liability coverage up to certain limits. In most policies, these limits are capped at $300,000 or $500,000. With increasing medical costs and an increasingly litigious society, adequate liability insurance is a must.

Most people never plan for medical costs or legal fees due to an at-fault accident, but it can happen to anyone at anytime. Being ready for it is one of the easiest things you can do. 

What would happen if your dog were to bite a neighbor's child? What happens if there is an accident on one of your rental properties? Maybe there is a fire in your condo that spreads to other units. If any of these were to happen, there is a good chance that your standard limits on your homeowners' policy would not cover the damages which means that the fiscal responsibility falls on you, your hard earned savings, and maybe even your future earnings.

Given a few minutes of thought, it is not too hard to come up with countless scenarios where home or auto insurance might fall short of paying the consequences of an at-fault accident. In liability lawsuits, the judgments awarded frequently exceed the defendant's net worth. Personal Umbrella insurance is surprisingly affordable for additional peace of mind. Let A.O. Wing Agency help you determine your risk factors and decide the proper amount of coverage.

For more information or to obtain a free no-obligation quote, please email, info@aowingins.com today.