We just got an umbrella policy through our auto insurer (AARP-Hartford)---In these days of so many law suits, we did it for peace of mind. Had to increase our liability on auto to the 250/ and also on our golf cart. We just have an electric Club Car- with insurance through Foremost. Found out that there is coverage for an uninsured (driver) cart - Never heard of that but cost was so minimal we added it as well.
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