What Is Umbrella Insurance?

Umbrella insurance is a different type of coverage from most other insurance types. It works with other insurance policies that you have in order to give them a boost of coverage. When you need more liability insurance for policies that you already have, it’s a smart idea to get an umbrella insurance policy. If you are interested in getting one of these policies, call us now at the Marla Williams Agency in Kansas.

Umbrella Insurance Coverage: What You Need To Know

Home and Auto Insurance

When you already have auto and home policies in effect, umbrella insurance is a way to add to them both at one time and with one policy. The amount of liability coverage inside auto and home policies can be too little to pay for serious accidents. It’s also highly expensive if you want to add more liability coverage directly onto both of these policies. A way to get more liability coverage for both and to do it for far less cost is to get umbrella insurance. This gives you a blanket of more liability coverage that comes in handy if there is an accident that you are liable for. Without it, you could be responsible for paying a lot of medical bills and other costs when your liability coverage won’t cover all of them. 

How This Coverage Works

When you have an umbrella policy, it doesn’t come in first to pay after an accident has happened. The first policy to come in will be your auto or home policy. Once it has maxed out, your umbrella policy can come in to pay whatever is left over of the bills you are responsible for to save you from having to pay them. 

Get More Liability Coverage

To be better protected with an umbrella policy, you can give us a call at the Marla Williams Agency in Kansas.