Don't Let a Smile Be Your Only Umbrella

Insurance is often described as protection for a rainy day. If you really want to protect yourself against the worst rainstorms, maybe what you need is an umbrella.
Umbrella insurance is personal liability coverage that extends beyond the limits of your homeowner's and auto insurance policies. A common minimum amount is one million dollars, with amounts up to five or even ten million not that unusual.
Rick Kahler, CFP, resides in Rapid City, South Dakota and is a fee-only financial planner. He is the co-author of "The Financial Wisdom of Ebenezer Scrooge" and "Conscious Finance," both available on Amazon.com. You can learn more about Rick at wwww.kahlerfinancial.com.

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