The amount of personal liability insurance that you should carry depends on your individual circumstances and needs. Some factors to consider when determining how much coverage you should have include:

• The value of your assets
• Your income
• The level of risk you’re exposed to in your daily life. ( Swimming Pools, Trampolines, Pets, Party host)
• Home or Rental Property Owner

There are different limits of personal liability protection available. Typically these limits extend to $500,000.  We encourage all property owners to check in on their liability limits.  If you need liability coverage beyond the limits of your primary policy, you may benefit from an umbrella policy.

Click here to learn more about personal umbrella coverage:
Umbrella Insurance | Herlihy Insurance | Worcester, Massachusetts (herlihygroup.com)

 

It’s a good idea to review your insurance coverage regularly, particularly if you experience any significant life changes that could affect your need for coverage. It’s also recommended that you consult with an insurance professional, like the experts at Herlihy Group, who can help assess your needs and determine the appropriate level of coverage for you.