My Vote for Umbrella Insurance

[Ursula B.]

Here's a plea to anyone who's on the fence to please, please, PLEASE take the time to buy an umbrella insurance policy.  I was holding an open house for my newest rental and one of the visitors slipped on the stairs.  Thankfully she was okay, but that situation made me realize that it only takes a second for something to go wrong. I have coverage under the homeowners policy, but what if it didn't fully cover the medical expenses?

I called my insurance company, and 20 minutes later I had a $1M umbrella policy for less than $250 a year.