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If you need to have more liability coverage, you might not know it. Many people assume that the amount of liability coverage they get in their home and auto insurance policies is enough for them. However, there may be very little of this coverage in your policies. The amount of coverage may not be enough to pay for all the bills associated with a serious accident. To get more liability coverage, there is umbrella insurance. To find out more about it, call us at Alan Farley Insurance LLC in Tulsa, OK.
Home and Auto Liability Coverage
Umbrella insurance is a type of supplemental policy that works along with the home and auto policies that are already in place. It adds more liability coverage to both of them at the same time. This is much less expensive than if you added directly to both your home and auto policies. That can get very costly very quickly, and that doesn’t even have to be much extra coverage. Umbrella policies come with an enormous maximum payout so you can be confident that an accident won’t end up bankrupting you.
Accidents and Overage
If you have only your home and auto policies and don’t have supplemental liability coverage, a serious accident can easily come with costs that are too high for your insurance to pay. When this happens, you’ll have an overage after insurance has maxed out, and that will be yours to pay. When you have umbrella insurance, it comes in after the first policy has reached maximum payment and then pays whatever is left afterward. This can save you thousands on hospital bills and other costs.
Get Your Umbrella Policy
To get more liability coverage, umbrella insurance is a smart move. To get started, call us at Alan Farley Insurance LLC in Tulsa, OK.