Not a charger, generally speaking, what do you think of Umbrella policies? I think they are a good idea for anyone like myself who rents property (I'm the owner) and possibly for others as well. Of course I have homeowners for property that I rent but Umbrella Policies do not seem to be extremely expensive, ranging from $200-300 yearly.
Ramrod sums it up perfectly. For most people, an umbrella policy is probably more coverage than you need, but they usually are not expensive...certainly not as expensive as having less coverage than you need.
