When you own a home and a vehicle, you have insurance policies. However, it’s also helpful to get an umbrella policy on top of those. This gives you more coverage right where you need it. If you own a home and car, call us at Land Home Insurance Services to learn more about umbrella insurance.
Adding Liability Coverage
When you have a home and auto insurance policy, you have liability coverage in both policies. Liability coverage is important for paying for any injuries or related costs for which you could be liable. When an accident happens, though, it could be an expensive one. This may mean that it costs more than the liability coverage in your home or auto policy. There’s umbrella insurance to get more liability coverage. It simultaneously adds an enormous amount of liability coverage to both other policies.
Paying Overages
When an expensive accident happens, and it leaves you with bills that your home or insurance can’t pay, you would be responsible for that overage. When you have umbrella insurance, it pays for those overages for you. Umbrella policies come with enormous maximums, so even a very expensive accident can be paid for by this policy. With umbrella insurance, you don’t have to worry that an accident will be too costly for you to be able to cover it with your home or auto insurance. It gives you peace of mind because you know you’re well-covered. It also costs less to get an umbrella policy than it does to add more coverage directly onto each of the other policies.
Get Umbrella Insurance from Land Home Insurance Services
If you want better coverage from umbrella insurance, call us today at Land Home Insurance Services to get started.
