Having enough liability insurance coverage is an important part of being insured. Many insurance policies come with small amounts of coverage for liability, but it often isn't enough for when a bad accident or other serious incident happens. One way to get more liability coverage is to get an umbrella policy. If you are interested in umbrella insurance and are in Indiana or Illinois, call us at The Billy Davis Insurance Group to arrange to talk with an agent about your needs.
If you have home insurance already, it generally comes with a small amount of liability coverage. However, a serious accident will quickly cause that policy to max out, and you are responsible for paying the rest of the medical bills. An umbrella policy is one that you add to your current policy. This gives you a far higher amount of liability coverage for your home insurance without you having to pay the steep prices that come with adding to your home insurance coverage directly.
As with your home policy, your auto insurance coverage includes a small amount for liability coverage. And just like at home, if you have an auto accident that results in serious injuries to third parties, you will likely have to pay most of those bills yourself. Luckily, an umbrella insurance policy also adds to your auto liability coverage. It's a separate insurance policy, but it adds to the liability you already have through your home and auto policies.
If you need better liability coverage and are in Illinois or Indiana, you need to call The Billy Davis Insurance Group to arrange to speak with an insurance agent who can assess your current home and auto policies and give you more information about umbrella policies.
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