If you have a home insurance policy and an auto policy, you may feel well protected against many of the risks you face. However, you might not have the coverage you need if there were to be a severe accident. These can cost an enormous amount, and your home and auto policy may not have enough liability coverage to pay for the damages. That’s why so many people choose to get an umbrella policy to add to their coverage. If you need an umbrella policy to make sure you’re better covered, call us at Melvin Gessner Insurance Agency in Willis, TX.
More Liability Coverage
The liability coverage that you get with your home and auto policies is often too low to pay for an expensive accident. When you get umbrella insurance, it puts more liability coverage on both of these policies. Umbrella policies come with an enormous amount of coverage, and this makes up for the low coverage in the other two policies. This means that when a serious accident happens, and the bills are sky-high, they can still get paid by insurance instead of being paid from their own pockets.
Overages
The main risk of not having umbrella insurance is that after a serious accident, your home or auto policy won’t be able to pay for the resulting bills. When this happens because you have only a small amount of liability coverage, it creates an overage after the home or auto policy has been paid and maxed out. This overage is what an umbrella policy would pay for you. This ensures that you won’t be left with a huge bill after your insurance maxes out.
Get Protected With Umbrella Insurance
When you need an umbrella policy, we’re here to help. Call us at Melvin Gessner Insurance Agency in Willis, TX.
