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.