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Additionally, depending on the insurance company issuing your homeowners policy, an umbrella policy may be your only real protection if you own certain aggressive dog breeds.
If you cause an accident involving several cars, everyone may walk away unscathed but the property damage to other cars can be enough to break the bank.
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If you own rental property, you are responsible for making sure your property is safe for your tenants and your guests.
An umbrella liability policy covers a much higher limit and goes above and beyond claims directly relating to your home and auto.
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