Understanding the Importance of Umbrella Insurance

As an owner of a home and a vehicle, there are certain insurance policies that you must have. While you may have the required basic policies, there’s another type of policy you need – umbrella insurance. This type of insurance complements the other two types and provides you with extra protection. If you’re interested in getting umbrella insurance for the coverage you need, contact us at Western Insurance Associates in Spokane, WA.

More Liability Protection

Both your home and vehicle policies come with a level of liability coverage. This pays for someone else’s damages if they are injured in an accident. In your home policy, it covers medical bills and other expenses if someone has an accident in your home. For auto insurance, it covers someone’s medical bills and other damages after a vehicle accident. However, there may not be much of this coverage in those policies. To get more of it economically, you need an umbrella policy.

How Umbrella Insurance Works

Getting an umbrella policy adds more liability coverage to your two other policies. It adds a significant amount of coverage and costs less to do this than to add more liability coverage to your home and auto policies directly. Having a large amount of liability coverage means that a serious accident can be paid for. Once an accident with injuries has occurred, the home or vehicle policy comes into play. They will then pay up to their maximum. If there are any bills left over, the umbrella policy covers those.

Get Umbrella Coverage in Washington

If you want better liability coverage, we’re here to help. Contact Western Insurance Associates in Spokane, WA, to get started.