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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. 

If you’ve been looking at insurance policies to protect your family and financial security, you may have come across the term “umbrella” insurance. These insurance policies expand coverage in specific ways and can significantly reduce risks. They are often quite affordable, especially in terms of how much protection they can provide. If you’re looking for an insurance agency serving Greater San Francisco and Concord, CA, contact Land Home Insurance Services at your earliest convenience to discuss umbrella policies.

A Closer Look at Umbrella Insurance Policies

Just as an umbrella protects you from rain and bad weather, an umbrella insurance policy provides protection from various events. Umbrella insurance policies are typically designed to extend coverage. This may include increasing payout limits for events or covering incidents not currently covered under a given policy.

For example, let’s say you’re a dog owner. If your dog bites someone on or off your property, you could face a civil suit to pay for medical bills, pain and suffering, and whatever else. Your regular insurance policy may cover these costs but may also be uncovered. Further, maybe only certain breeds of dogs are covered, or only incidents on your private property. The total coverage amount might be low, as well. With umbrella insurance, you may be able to extend coverage to increase limits, reduce deductibles, expand coverage to off-property incidents or specific breeds, and more.

Umbrella insurance can be used to cover many other things. With healthcare costs rising, you might take out a policy to provide additional coverage for medical expenses stemming from personal injuries on your property or healthcare bills resulting from car accidents, for example. If you live in or near Silicon Valley and San Francisco and are looking for an insurance agent serving Concord, CA, contact Land Home Insurance Services. We’d be glad to discuss umbrella insurance options with you and your family.