Umbrella insurance is a type of insurance that works a little differently from most types of policies. Instead of being independent, this policy works with others you already have. When you have an auto and a home policy, you can get an umbrella policy to add extra protection. This is a cost-effective way to get more insurance to protect you against financial risks. Call us at Associated Insurance Agencies Inc. in Westerville, OH when you need umbrella insurance. 

More Liability Coverage

When you have both home and auto policies, each has its own liability coverage. The problem is that these policies too often come with too little of this coverage. Both home and auto insurance have several kinds of coverage, and liability coverage may only be the minimum amount required for you. This may not be enough to pay for a severe accident with expensive results. This can put you in a challenging financial situation. If your liability coverage maxes out before all the bills are paid, you will owe those overages yourself. When you get umbrella insurance, it adds extra liability coverage to both of those other policies at the same time. 

Paying Overages

If you have an overage after your home or auto policy has reached its maximum payout, umbrella insurance can come in and pay the rest of what you owe. This can save you thousands of dollars in overages that would have been your responsibility. Umbrella insurance is low-cost and comes with an extremely high maximum payout. 

Get More Liability Coverage

Call us at Associated Insurance Agencies Inc. in Westerville, OH, for more liability coverage with an umbrella policy.