I was fortunate enough to sit down with our insurance agent this morning and go over our home and auto policy's. I don't do this annually but I think I am going to start to. We started by adding up computers, hunting equipment, recreational items not used to maintain our property, and general liability.
This got me thinking, as he said most people do not have an umbrella policy. They are the the cheapest and best insurance one can get.
Also he went over how they look at a loss and I was under insured in a few areas. I thought that this bill was going to seriously increase, but in the end, it only went up $100 bucks to cover a lot of items that were not sufficiently covered.
How many people on here sit down with their insurance agent on an annual basis?
Also, how many have an umbrella policy?