In my state they are the same. 

In most cases, neither is warranted.Warning: I am not an attorney, and this can be a complicated topic.

@Jeff Mooney Hey Jeff where in Central PA are you looking?

You can find his YouTube channel at:facebook.com/platinumresortassistedliving He is all over this subject and he is in Georgetown, TX.

Please let me know your thoughts and please poke holes in this idea!

This is where the substitution clause comes in, as I understand it.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

A lead magnet is a powerful way to capture their attention.Examples of Lead Magnets:“Free Guide: 5 Ways to Sell Your Home Fast Without a Realtor.”

Thanks for your insight.

Like in this case, wanting a new home.