How much personal liability insurance is it smart to buy? - H.M., Leyden, Wisc. Add up the value of your home, your belongings and your financial assets. If your value total is rather hefty, look into getting an "umbrella" personal liability policy. Umbrella policies generally offer much more liability coverage ($1 million or more) at much lower premiums than individual policies such as homeowners, renters and automobile insurance. Today, I'm an agriculture, construction, turf and forestry equipment giant. In the past I've even built bicycles and homes - and during World War II, I made military tractors, ammunition, aircraft parts, and cargo and mobile laundry units, among other things. NXP's offerings help devices communicate with one another, such as a smartphone communicating payment information to a point-of-sale device via near-field communication chips.