What do I do if I want an umbrella policy but my insurance agent tells me I do not need it?
First you need to find an insurance agent with the heart of a teacher (as Dave Ramsey would say). Next I would tell you that you need to find a new insurance agent. If you feel that you have liability that needs to be covered with an additional insurance policy (an umbrella policy). Your insurance agent is there to make you happy and to help you feel secure with you assets. This should be all about customer service and it sounds like you are not getting the best customer service. If I were you I would consider finding a new agent. I would recommend using on of Dave Ramsey’s Endorsed Local Providers (ELP's). If there is not one in your area please take a look at our endorsed providers for Western New York (WNY) or Southern Ontario.