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This statement is found in EVERY insurance policy on the market. Whether it's for home insurance, auto insurance, boat, motorcycle, business owners insurance, etc. it's in there.

If you don't know what your maximum limit is then you should call me right away. Most people are grossly underinsured and are unaware of it, or worse, in denial of this fact. 

If you know what your maximum limit is good for you. You're in the minority! 

QUESTION?:  Are you worried that someone could access YOUR money once your maximum limit is exhausted? That's right. Who's to say that the injured party or their family won't seek damages beyond what the insurance company will pay. Most do and you could be in serious financial trouble if this ever happens to you.

If you're not sure, then you should call me and inquire about an Excess Liability policy. This policy could save your bacon!

Author Richard Morris

Richard Morris, an independent insurance agent in Chandler, Arizona, has been serving and helping Arizona families and businesses with all their insurance needs for over 23 years. Visit his website at to see all the ways he can help you with your insurance needs or call the office at (480) 336-2707 or toll free at (888) 907-9349. Connect with Rich on Google+ and Twitter.

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