If you already have auto and home insurance policies, you have a lot of protection against a wide range of risks. However, you might not have as much liability coverage as you think. It’s important to always be well-covered by insurance policies that will serve you in case of an emergency. Home and auto policies are highly needed, but an umbrella policy makes them even better. When you want an umbrella policy, call us at Ellis Insurance Agency in San Antonio, TX.
Liability Coverage
Your liability coverage is what pays for the damages to someone else after an accident has taken place. Your home insurance has liability coverage in it in case someone from outside your household gets injured in an accident in your home. When this happens, it can cost a lot in medical bills and other costs. Your auto insurance pays for the other party’s medical costs and property damage when you are in an accident in your vehicle. However, both of these amounts of liability coverage may not be very high. They probably couldn’t cover a serious accident. That’s where an umbrella policy steps in. It adds more liability coverage to your home and auto insurance policies so that you have the protection you need.
How It Works
When there’s a serious accident, the first to step in is your auto or home policy. This will pay as much as possible, but it’s limited by your maximum payout. If there’s still money left over to pay, you would owe that amount, and it could be quite high. However, when you have umbrella insurance, that’s where it comes in and pays for what’s left over.
Get Umbrella Insurance
When you want the liability protection that comes from umbrella insurance, call us at Ellis Insurance Agency in San Antonio, TX.
