My husband carried an umbrella insurance policy but died. Do I still need to keep this coverage?

If your husband passed away, and he had an umbrella insurance policy, you may be wondering if you need to keep this coverage. The answer depends on your individual circumstances. First, it's important to understand what an umbrella insurance policy is. This type of insurance provides an extra layer of liability coverage on top of your existing auto, home, or other insurance policies. It's designed to protect you in the event of a lawsuit or other liability claim that exceeds the limits of your primary insurance policies. If your husband carried an umbrella insurance policy that was in his name only, then the policy will typically end upon his death, and you won't be required to keep the coverage. However, if the policy was held jointly with you, or if you were listed as a named insured, then you may have the option to continue the policy and pay the premiums yourself. It's also possible that the terms of the policy may include a provision for continuation of coverage after the death of the policyholder. In this case, you should review the policy documents carefully and speak with the insurance company to determine your options. Ultimately, the decision to continue or cancel an umbrella insurance policy will depend on your individual circumstances and your need for this type of coverage. You may want to consult with an insurance agent or attorney to help you make an informed decision.