If you already have a home and auto insurance policy, you can get more coverage by adding an umbrella policy. This is a way to be better protected against a wide range of risks in your car and your property. To keep yourself protected, you can call us at Western Insurance Associates in Spokane, WA to learn more about umbrella insurance.
More Liability Coverage
Your home insurance and auto insurance policies each have different types of coverage in them. One of these is your liability coverage. Home insurance has it in case someone has an accident and is injured while on your property. This coverage pays for the medical bills that would result from those injuries. Your auto insurance has liability coverage in case someone else is injured in an accident with you. The issue is that these insurance policies often don’t have much liability coverage. This can mean they can’t pay for a serious accident that causes high medical expenses. There is umbrella insurance to get more liability coverage for both of these policies. It adds an extra protective layer to both of these policies all at once.
Paying Overages
It’s important to have umbrella insurance because it pays for the overage after your home or auto policy has already come in and paid what it can. When there are still medical bills after your home or auto policy has maxed out, it’s great to have umbrella insurance to pay the rest of them. Paying these overages can protect you from a severe financial emergency from paying sky-high medical bills.
Get an Umbrella Policy
If you want more liability coverage with a very high maximum payout, call Western Insurance Associates in Spokane, WA, to discuss umbrella insurance.
