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Quote Savant

7400 Gaylord Pkwy
Frisco, TX 75034

How Umbrella Insurance Works

Umbrella insurance is a type of insurance policy that adds liability protection to insurance policies that you already have. It’s a type of insurance that gives you better coverage from the home and auto policies that you have in place. If you are interested in umbrella insurance, give us a call now at Quote Savant in Frisco, TX to find out more. 

Umbrella and Home Insurance

When you already have home insurance, it may not be enough coverage for your liability. If someone were to have an accident in which they were injured on your property, you could owe a lot in medical bills and other costs. If you have umbrella insurance, this adds liability insurance over and above what is contained in your home policy. This gives you much better coverage in the case that there is an accident on your home or in your yard. 

Umbrella and Auto Insurance

Auto insurance works with umbrella insurance in the same way that it does with home insurance. It adds extra liability insurance on top of the coverage you already have with your auto policy. First, the accident happens. Then, your auto insurance kicks in and pays what it can. Next, if there is any left over after your auto insurance has paid, your umbrella insurance policy will pay for that. Umbrella policies have very high maximums that they will pay out, so it’s unlikely that there would be any overage above that. This keeps you much better protected in case there is an accident with your vehicle that you are responsible for. 

Get More Liability Coverage

If you don’t have umbrella insurance, you may be left vulnerable to high bills after an accident. If you want an umbrella policy, give us a call today at Quote Savant in Frisco, TX. 

Umbrella Insurance and Liability

Having enough insurance can often be tricky. Just because you have an insurance policy, that doesn’t mean you have enough coverage, and that’s especially true for liability insurance. With medical bills so high today, it’s always important to have plenty of liability protection. If you are interested in getting an umbrella policy to raise your liability coverage, call us today at Quote Savant in Frisco, TX.

How Umbrella Insurance Works

Umbrella insurance works alongside your existing home and auto insurance policies. When there is an accident that you are liable for, your home or auto policy will step up and pay for the bills that come from it. This is generally medical bills and property damage bills. However, because home and auto policies usually have a low amount of liability, they may not pay out enough for all of those bills to be paid. When this happens, your umbrella insurance policy can kick in. It then pays the amount left over after your home or auto policy has paid. This allows serious accidents to be paid for without you having to come up with the money yourself.

Why Umbrella Insurance?

Many people wonder why they should get an umbrella policy when they can simply raise the amount of liability insurance that is contained in their home and auto policies. This is certainly possible to do, but it is also very expensive to do. Raising the liability coverage on both of those policies can be prohibitively expensive for many people. Getting umbrella insurance is reasonably priced even for a very large maximum payout. 

Get Your Liability Coverage

If you’re thinking about an umbrella insurance policy, contact us at Quote Savant in Frisco, TX to find out more about them.

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