I have $5 million umbrella coverage, for

I have $5 million umbrella coverage

 

 

 

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for my rentals and self-occupied house. When liability occurs, my insurance will fight for me to minimize my/their loss. If the liability is more than $5 million, which is paid by the insurance, I will be liable for any amount exceeding the $5 million . The liability insurance gives me a big cushion .