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If you already have home and auto insurance, it’s possible that you don’t have as much coverage as you need. When you have these insurance policies, they come with different kinds of coverage. One of these is liability insurance. It’s common for home and auto policies not to have much of this important coverage. That’s where umbrella insurance comes in.
If you want to be well-protected against a number of risks, give us a call at Alan Farley Insurance LLC in Tulsa, OK to find out more about umbrella insurance.
Liability Coverage
You need plenty of liability coverage for your home and vehicle. If you have home and auto policies, each comes with an amount of liability coverage. This pays for the medical bills that are due after an accident that resulted in injuries. When it’s auto insurance, it also includes property damage liability. If you don’t have enough of this coverage, you could be stuck with large bills after the policy has maxed out. One way to be protected against these leftover bills is to have umbrella insurance. With this coverage, you add a layer of liability coverage onto both of your other policies at one time. Umbrella insurance comes with very high maximums, so you won’t have to worry about overages after they’ve paid.
How It Works
First, your auto or home policy will step in after an accident. They will pay what they can up to their maximum. Then, if there is any leftover, the umbrella policy comes in to pay those overages. With this coverage, you are better protected and will pay less than you would if you added coverage directly to both of those policies.
Get Umbrella Insurance
To get an umbrella policy of your own, call us at Alan Farley Insurance LLC in Tulsa, OK.