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White Oak Insurance LLC

31 Cherry St, Ste. 104
Milford, CT 06460

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How Umbrella Insurance Works

If you have at least one vehicle and a house, chances are that you have a home insurance policy as well as an auto insurance policy. Both of these types of insurance have different kinds of coverage within the policies. Each type of coverage gives you a specific type of protection, and one of these types is protection in case of accidents. When you need more of this coverage, you can get an umbrella policy to provide it.

To get started, call us at White Oak Insurance LLC in Milford, CT.

Liability Coverage

With your home and auto policies, liability coverage is an important part of these policies. The liability coverage of each one pays for medical costs and certain other costs that are due after there is an accident that you’re liable for. When someone has an accident in your home, you are responsible for any bills that come next.

The same is true if you are in an auto accident that is your fault and someone else is injured. Your home and auto policies pay for these bills. When you have umbrella insurance, it adds a higher amount of liability coverage to both of these policies. Umbrella insurance can save you an enormous amount by having a huge maximum payout. 

Using Umbrella Insurance

With an umbrella policy, you have much more liability coverage than with your home and auto policies alone. It adds coverage to both of these policies so that you won’t be stuck with overages. Your auto or home policy comes in first to pay as much as it can, and after that, your umbrella insurance comes in and pays the rest of what you owe for medical and other bills. 

Get The Right Coverage For Your Needs

When you need more coverage to protect yourself financially, call us at White Oak Insurance LLC. We proudly serve the greater Milford, CT region.


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