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  Personal Umbrella Liability:

      The sole purpose of this type of coverge is to protect you against
      liability awards that exceed the limits of your basic "underlying" policy.
      The ever-increasing jury awards in recent years have made an Umbrella
      policy a very important tool to limit this kind of risk to you and your
      family. Before you purchase an Umbrella policy, you should discuss your
      financial needs and goals with your agent. It is important to consider
      all your current assets and buy the apporpriate amount of protection.












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