When you have home and auto insurance, this may not give you as much coverage as you need. Many people choose to get umbrella insurance to add more liability coverage to these insurance policies. This is a helpful insurance type that can cover you better after accidents. If you are interested in getting umbrella insurance or have questions about it, call us at Valley Center Insurance Agency in California.
If you already have an auto insurance policy, you have some coverage for your liability. This is what pays for someone else's medical and other bills after you've had an accident that was your fault. However, it's common for people to have very little coverage and not enough for a severe accident. With umbrella insurance, you have another layer of liability coverage added to what you already have in your auto insurance policy. This leaves you able to pay for high medical bills caused by accident.
With your home insurance policy, the same problem exists. Home insurance policies often have very little liability coverage, and you will need better coverage if someone has a severe accident on your property. With umbrella insurance, you get more of this coverage. After an accident happens, your home insurance will come in to pay as much as it can up to your stated maximum on your policy. Then, if there is any overage, your umbrella insurance swoops in to pay the rest of it. It has its maximum payout, and this amount is far higher than the maximum on your home policy.
To get your umbrella insurance policy or ask questions about it, give us a call at Valley Center Insurance Agency in California to talk to an agent.
