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How Umbrella Insurance Works

When you have insurance policies for your home and vehicle, you may believe that you already have enough insurance in case of serious incidents and accidents. However, it may be that you don’t have as much coverage as you need. Liability coverage is important to have with the high cost of medical bills, and many home and auto policies don’t have very much of it. To remedy this problem, many people get umbrella insurance.

To find out more about these policies, call us at White Oak Insurance LLC in Milford, CT.

Home, Auto, and Umbrella Insurance

Having home and auto insurance is important for protecting yourself financially as well as protecting your largest investments. When you have both home and auto insurance, you may have little in the way of liability coverage in those policies. When this is true, you can boost the liability coverage of both policies at the same time by getting an umbrella policy. This policy adds more of this coverage so that you are better protected in case there is a serious accident that costs a lot in medical bills. 

Using Umbrella Insurance

Umbrella insurance works a little differently than many other types of coverage. It doesn’t come in first after an accident has happened to pay what is owed. Instead, your auto or home insurance will come in first after an accident to pay for the medical bills of someone who is injured in an accident that you are liable for either with your vehicle or in your home. After that, any overage that is still due after this policy has maxed out will be paid by your umbrella insurance policy. 

Get Your Umbrella Policy

When you want more liability coverage, give us a call today at White Oak Insurance LLC in Milford, CT to discuss umbrella insurance. 

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