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什么是伞险?要不要买伞险?买多少?(2024年2月29壬日更新)

(2018-04-29 19:39:00) 下一个

The fundamental purpose of an umbrella insurance is to protect your asset in the event of being sued.  An umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured's home and auto insurance.

Based on the umbrella insurance policy definition, almost every family needs an umbrella insurance to protect their assets in the event of being sued by other people for the amount exceeding the original insurance policy coverage. 

For example, if you have a car and you were involved in an accident, you hit someone, that person sued you for $1M and your auto insurance only covers up to $300K.  At this time, your umbrella insurance will help to protect your asset and the policy will cover the judgement.

How much coverage do I need for an umbrella insurance policy?  The rule of thumb is to add all your asset up excluding your 401(k) retirement accounts since they are shield from liability lawsuits,and also minus your home and car insurance policies' liability coverage amounts.  The remaining figure of your asset should be the coverage amount of your umbrella insurance. 

Since I wrote this blog in 2018, the assets of my targeted families have been risen a quite bit.  In this case, a family with 5 million asset excluding the above mentioned numbers, I would buy an umbrella policy with 2 or 3 million coverage.

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hhtt 回复 悄悄话 回复 'Andy-MM' 的评论 : 谢谢来访!你讲的孩子资产是什么?伞险是保护你的资产!和孩子的资产没有关系!
Andy-MM 回复 悄悄话 请教一下这个add all your asset up中的asset包括kids的asset吗?谢谢
hhtt 回复 悄悄话 回复 'XU1888' 的评论 : 不会,401K有资产保护条例。
XU1888 回复 悄悄话 如果有人被诉,没有买umbrella insurance policy,401k 账户里的财产也会被算进资产,拿出来赔偿吗?谢谢
hhtt 回复 悄悄话 回复 '螺丝螺帽' 的评论 :

Umbrella insurance is for managing your risk. I can not convince you to buy the coverage to insure all your asset. I am talking about net asset. If you are ok with someone suing you for all your asset and judgement is against you, and you end up losing everything you own except your 2M coverage. We can agree and disagree.
螺丝螺帽 回复 悄悄话 当然, 做生意, 做医生。。。特别容易被诉的不在我上面2M范围
螺丝螺帽 回复 悄悄话 我不同意你这点。
“The total figure of your asset should be the coverage amount of your umbrella insurance.”

通常有问题的话, 2M应该可以搞定了, 没有必要再多买吧
hhtt 回复 悄悄话 谢谢来访。
yy56 回复 悄悄话 第一次听说,谢谢这么全面的介绍。
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