I once attended an insurance class that was taught by a seasoned agent who regularly testified in court cases as an expert. A friend once asked him, "Well, you're pretty experienced. Can you tell me how much liability coverage I actually need?" The wise agent's reply was, "Not until you are walking out of court."
Simply put, you never know what scenario might occur and bring a large lawsuit against you. Dog bites. Trampoline accidents. Spilled hot coffee at McDonald's (remember that lawsuit from the 80's?). We can never tell customers exactly how much liability to purchase, though we do encourage folks to purchase an umbrella to add that extra layer of protection.
If you are unsure about what is at risk and whether an umbrella would be a good purchase, check out the Umbrella Calculator offered by Citizens Insurance. Click the link below to answer four quick questions.
For your protection, coverage cannot be bound or changed via the agency's website, and is not effective until confirmed directly with a licensed agent. An online request will be not be effective to request a coverage change until such time as you receive a confirmation from us that the change requested has been processed and coverage is bound.