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Mastercover   Mastercover is a personal catastrophe liability policy that provides you a margin of protection against the growing wave of disastrously high jury awards in personal liability cases.  It does not replace your present automobile and other personal liability policies.  It does add an additional $1,000,000 of protection or more, to your underlying coverage. The annual premium for $1,000,000 in liability coverage is approximately equivalent to one hour's legal fee!!!     You need Mastercover if you either: are a homeowner, have an average or above average income or net worth, travel a great deal, hold a responsible position in your business of community, are the parent of active children, or expect to be earning average or above average income in the future.  Call us for a quote today!    Mastercover extends the coverage of your underlying policies by providing higher limits of protection in these areas: Bodily Injury, Property Damage, Your Premises, Your Automobiles, Your Activities, Watercraft and Incidental Business Pursuits.  Mastercover also broadens protection to cover areas where your underlying policies provide only partial protection or not protection at all, such as:   Damage to property of others, Personal injury including your legal liability arising from libel, slander, false arrest, defamation of character, or invasion of privacy,  Contractual Liability arising from all agreements whether they be oral or written, expressed or implied.  Worldwide coverage Defense Costs    This is an illustration and not a contract. Complete details are contained in the policy.