This includes cash, such as your savings or future wages. If a court decides you owe more than the limits of your auto, boat or homeowners policy, your personal assets could be at risk. Unfortunately, bad things sometimes happen – and no one is immune. An umbrella policy offers affordable, worldwide protection for you and covered family members. Talk to a local insurance professional, like your local ERIE agent, about what amount of coverage is right for you. Medical costs alone can soar into the millions quickly, especially if a person needs extensive medical treatment or long-term physical therapy. Can my homeowners insurance kick in if someone gets hurt on my property? If someone were to get seriously injured – or worse – in your pool or riding your ATV (for example), a lawsuit could wipe out your finances.While this is enough to cover many situations, accidents that are more severe or result in multiple people injured could add up to more than you’d expect.
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