Umbrella insurance is a unique type of coverage that adds to the coverage that you have in other policies. When you have auto and home insurance, it’s possible that you don’t have enough coverage in case of a serious accident. That’s where umbrella insurance steps in and gives you the coverage you need. If you want umbrella insurance, call us at Bronson Insurance Services in Oak Creek, WI to find out more.
Umbrella Insurance: What You Need To Know
Your Home and Auto Policies
Having home and auto insurance policies keeps you protected in many ways, but they often don’t give you as much liability protection as you need. When serious accidents happen, you can expect extremely high medical bills to become due, and your home or auto insurance may not be able to pay them all. When this happens, you will have an overage that you are responsible for paying. That’s why getting umbrella insurance is so important. It gives you more liability protection for both of those policies so that you are far better protected.
How It Works
When you have an umbrella policy on top of your home and auto policies, the umbrella policy adds extra liability coverage so that any overages can be paid. The home or auto policy comes in first after an accident has happened. The policy will then pay for the medical bills and other costs up until the policy reaches its maximum. Then, the umbrella policy steps in and pays the rest so that the overage is covered. Umbrella policies have extremely high maximums, so it’s unlikely for any bills to be left after an umbrella policy has been paid.
Get Your Umbrella Policy
When you want better protection against liability, it’s important to have an umbrella policy. To find out more about them, call us at Bronson Insurance Services in Oak Creek, WI.