When you already have your home and auto insurance policies in place, it’s helpful to get an umbrella policy to add more coverage to them. If you need umbrella insurance, call us at Christensen Insurance Group in Sandy, UT to get started.
More Insurance Coverage
Getting umbrella insurance is a way of getting more coverage than the policies you already have. This type of insurance acts as a supplement, giving you more coverage for both your home and auto insurance policies. It’s broad protection against liability for both of these policies.
Your home and auto insurance policies both come with liability coverage. This is generally not in a high amount, and this can cause financial problems later. If the liability amount does not fully cover medical and other bills due after an accident in your home or vehicle, it would be up to you to pay them. With the steady rise in medical costs, it’s always a good idea to have liability coverage. However, raising the amount of liability coverage on your home and auto policies would be expensive. Many people choose to find another way to cover themselves against liability.
How It Works
When there is an accident that you are found liable for, the first insurance policy pays the bills that are due up until it reaches its maximum payout amount. After that, the umbrella policy will pay the rest of the bills up to their maximum. With umbrella policies, the maximum is generally much higher than home and auto policy maximums.
Make Your Appointment
If you need more liability coverage, call us at Christensen Insurance Group in Sandy, UT to make an appointment to talk to an agent about umbrella insurance.