<prompt> Human: My assets: paid off house 230k 100k stocks bonds cash Car and boat: 10kSalary: 110kDebt: NoneI typically get Max liability insurance on auto 300k BI. I get the theory that you only need to insure up to my assets but my fear is I get sued for over the policy limits, say 500k. That means I lose my 100k assets and file BK. I do live in Florida so my house is protected. Im not terribly risky and work an office job.  <response>: Your income is an asset. In Florida, and most other states, you can have your wages garnished if youre sued successfully. They can take up to 25 of your salary until the debt is paid off. I would look into an Umbrella policy andor increasing your auto and homeowners liability limits. A lot of auto and homeowners companies will do up to 500k or 1 million so if your company doesnt offer that Id shop around for one that does. 