I have had as large an umbrella policy as State Farm would provide me with for over 50 years. I have increased the coverage over time. If one's net worth is sizable as it tends to become with age and/or inheritance it is worthwhile protecting. People having significant net worth can be liability lawsuit targets. Anything can and does happen in liability lawsuits. My policy helps me sleep at night.
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"No one is more hated than he who speaks the truth." Plato
“To argue with a person who has renounced the use of reason is like administering medicine to the dead.” Thomas Paine
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