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.

Why would someone invest in an umbrella insurance plan?

The state of Kansas can be a great place to work and live. To ensure that you continue to feel protected when living here, having proper insurance support is quite important. When you get an umbrella plan, you can obtain additional personal liability coverage. There are a few reasons that a person in this state will want to have this additional coverage. 

They Want Protection Against Large Claims

A reason that someone would want to have an umbrella plan is so they can protect against larger claims. If you are responsible for many types of accidents, the damages will be covered by either home or auto liability plans. However, every insurance plan has a policy maximum and you may need to pay for damages if they exceed your base policy. If you get an umbrella policy, it will provide additional coverage on top of your other insurance plans. 

Protection Against Unexpected Risks

You should also get an umbrella plan as it is a great way to protect against unexpected liability risks. While auto and home plans come with liability coverage, they do not offer the same blanket protection that can come with umbrella coverage. When you have umbrella protection, you will be comforted knowing that you have this blanket coverage, which will offer peace of mind and this support. 

There are a lot of great reasons to get an umbrella insurance plan. If you are looking into new insurance coverage here, you should start your insurance search by speaking with Marla Williams Agency. There are a lot of choices to make with any insurance decision and Marla Williams Agency can help you evaluate your options. This will help you pick an umbrella plan that offers the right amount and type of additional liability support.