A question for the board pros: When you counsel clients about personal liability insurance -- either through auto, home, renters or an umbrella policy, how do you figure appropriate limits? Do you favor a focus on net worth -- how much you have to lose? From this angle, isn't it also important to consider future earning potential in case somebody goes after wages? Or do you focus more on the odds of getting sued to kingdom come -- teenage kids? high-risk job? appearance of wealth?Or do you look at both?Thanks for any ideas you can provide. I've done a lot of research, but unlike a lot of the very basic insurance topics, there appears to be no standard advice. It's all over the map.Thanks again,PaulP.S. I hope you'll accept my presence on the board after greygreen sent me a bunch of excellent edits on my auto insurance copy and I didn't get it up on the site right away. I'm still planning to go through it all, make edits to the insurance center, and send him the Fool gear I promised. Really. If the world would just stop spinning so fast ...
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