How do I determine if an Umbrella Policy is right for me?

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Add the following together:
Total equity in your home: __________
Total value of personal property: __________
Total value of other investments: __________
Total value of checking/savings: __________
Total value of future wages: Annual Salary x Yrs working: __________
Total: __________

If the total above exceeds the liability protection provided by your home or auto insurance, then you should consider an umbrella policy.

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