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Question
I currently have 100/300/50 with SUM in a no-fault state.

1. I have option to raise this to 250/500/100 with SUM.
Q. After investigating, this amount seems necessary? Specifically regarding uninsured motorists, as well as some large assets to better protect.

2. Do umbrellas cover renters and how do they work with renters?  

Answer
Hello Casey,

Without knowing your assets and what you have to lose, this is a hard question for me to answer.

Depending on your state, and you need to ask a local attorney-Are there tort reform measures in your state that would limit your liability to the policy limits?

If so, no point in getting an umbrella.

Don't listen to the agent, they are just trying to sell a policy.

You don't own a home. Is there anything of value that you have over the limits of you policy? If not, you don't need a SUM.



You need to decide what your exposure is and the most your state laws can hold you responsible.

As for the rental question, not sure what you mean. An umbrella does not take the place for renters insurance, if that was your question.

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