Umbrella Insurance

Umbrella insurance boosts coverage when you don't have enough liability protection in your home and auto insurance policies. When you have umbrella insurance, it adds extra coverage to policies that often don't have enough liability coverage in case of a severe accident. When you are interested in getting umbrella insurance to boost your coverage, call us at Quincy Bertrand Agency in Texas.

Home and Auto Insurance Coverage

There are several different kinds of coverage included in home and auto insurance, including liability coverage. Each home and auto policy has an amount of liability coverage, but it is often too small an amount. This coverage pays for medical bills and other expenses after an accident that you are liable for. When you don't have much liability coverage, umbrella insurance can leave you far better insured.

How Umbrella Insurance Works

When an accident in your home injures a third party, you are generally liable for the medical bills and lost wages that are due afterward. When you have home insurance, it pays toward these bills first. However, it can only pay up until it reaches its maximum, which may be a small amount. After that, there is an overage left for you to pay. That's when umbrella insurance comes in and pays that overage for you. The same is valid for when you are in an auto accident that is your fault. The auto policy comes in first, and after it has maxed out, the umbrella policy comes in and pays the overage so that you aren't left with these bills after the accident.

Get Umbrella Insurance

When you want better liability coverage than what you have currently with your home and auto insurance policies, getting umbrella coverage is an inexpensive choice. To talk to an agent about this coverage, call Quincy Bertrand Agency in Texas.