Do I Need A Personal Umbrella Insurance Policy?

GEICO sent me an email the other day pimping their Personal Umbrella Insurance Policy (yes, the email was spammy and yes, I read it because I actually like Geico quite a bit) that started with these three questions:

  • Do you own your home? Yes.
  • Do you own any significant assets in addition to your home? Yes, a couple things.
  • Have you built an investment portfolio or a retirement savings account? Yes to both.

They said that if I answered ‘yes’ to any of those questions, I need a personal umbrella insurance policy… I answered yes to all of them! So do I need a personal umbrella policy?

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