In both California and now Texas my homeowner's policy added an umbrella policy to the existing policy ... perhaps it may be referred to as a "rider" but it is at a reasonable (IMHO) upcharge for the peace of mind. I did, in writing, inform the insurance co. that I was a police officer (back in the day, now retired) who carries.
Hi Ken, I am unfamiliar of what kind of rider you mentioned related with home insurance. Is it some sort of coverage for civil lawsuits for self defense at my property that can be covered by home insurance?
Better get that in writing that they will cover it. The umbrella is to cover civil damages in dollars. If you act in self defense, that policy will not provide you immediate access to an attorney, nor will it pay for a criminal defense attorney to defend you during the criminal investigation/and charges filed against you.
Correct. It is just to help protect your assets should you lose in civil court. It does nothing for any criminal or departmental actions that would require legal defense. That's what the other policies mentioned above are for.
A homeowners policy will do that? Are you sure that wouldn't have to be a rider on the policy?
In both California and now Texas my homeowner's policy added an umbrella policy to the existing policy ... perhaps it may be referred to as a "rider" but it is at a reasonable (IMHO) upcharge for the peace of mind. I did, in writing, inform the insurance co. that I was a police officer (back in the day, now retired) who carries.
Hi Ken, I am unfamiliar of what kind of rider you mentioned related with home insurance. Is it some sort of coverage for civil lawsuits for self defense at my property that can be covered by home insurance?
Thanks
Better get that in writing that they will cover it. The umbrella is to cover civil damages in dollars. If you act in self defense, that policy will not provide you immediate access to an attorney, nor will it pay for a criminal defense attorney to defend you during the criminal investigation/and charges filed against you.
This is why I have RTB
Correct. It is just to help protect your assets should you lose in civil court. It does nothing for any criminal or departmental actions that would require legal defense. That's what the other policies mentioned above are for.