How Umbrella Insurance Works With Home and Auto Policies

When you already have home and auto policies, you may not have enough of a specific type of coverage. These policies have several coverage types within them, and liability is one of them. It’s a meaningful way to protect yourself, and you can get more by getting an umbrella policy. It not only gives you more coverage, but it saves you money at the same time. When you need umbrella insurance, call us at Neff & Associates Insurance Services Inc. in Pismo Beach, CA. 

Liability Coverage

Your home and auto policies have a level of liability protection that will protect you against the cost of accidents. When there’s an accident in your home, your home policy can pay for the medical bills of the injured party who isn’t a member of the household. The same is true for your auto insurance when you have an accident with your vehicle. It has a level of liability for the injuries of the other party. The problem is that these levels of liability coverage from both policies are likely too low to pay for a costly accident. When you get umbrella insurance, it adds to both of these policies with extra liability coverage. 

Saving Money

Umbrella policies come with a very large amount of coverage for a small price. Getting an umbrella policy is much less expensive than adding more liability coverage to your home and auto policies directly. This is a cost-saving that leaves you well protected against accidents and liability. 

Get Umbrella Insurance for More Protection

When you already have auto and home insurance, getting an umbrella policy as an extra layer of liability coverage is a smart move. Call us at Neff & Associates Insurance Services Inc. in Pismo Beach, CA to get started.