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Do you have all of the liability coverage that you need? Chances are that you don’t. Many people get the minimum amount of liability coverage in their home and auto policies because it can be so expensive to add more to both policies. However, there’s another way to add more liability coverage to these policies. You can do that with an umbrella insurance policy.

To get one of these policies for your own protection, call us at QuoteBroker Insurance Services in Santa Clarita, CA. 

Get Better Liability Coverage

With better liability coverage, you are better protected against huge medical bills and many lawsuits. It’s important to have this extra liability coverage in case a serious accident happens that comes with a lot of medical bills. Medical costs are always going up, and it can be extremely expensive to pay for someone else’s medical bills. It can leave you in financial shambles. That’s why you need more liability coverage just in case. 

How It Works

Both your home and auto policies have different types of coverage in them, and one of these is liability coverage. When there’s a serious accident, and your home or auto policy maxes out when paying the medical bills, this can leave an overage. That overage would be yours to pay. However, if you had umbrella insurance this policy would come in after the home and auto policies and pay that overage. Umbrella policies have very high maximum payouts so that all of the overages can be paid. Despite the high amount of coverage in them, umbrella policies are very inexpensive. 

Get An Umbrella Policy

It’s important to have as much liability insurance as you can. It’s essential coverage that can save you financially. To be protected by an umbrella policy, call us at QuoteBroker Insurance Services in Santa Clarita, CA. 

Umbrella insurance from QuoteBroker Insurance Services is an additional layer of protection that can provide you with significant coverage in the event of a major accident. It is often used here in the Santa Clarita, CA area to supplement existing liability policies and can help protect your finances if you get hit with a large settlement or judgment. While umbrella insurance may seem like an unnecessary expense, it can actually be beneficial in the long run. 

The benefits of umbrella insurance

For starters, umbrella insurance provides increased financial security in the event of an unexpected legal battle. If you are sued for damages that exceed what your regular liability coverage covers, you could be responsible for paying the difference out of pocket. With umbrella insurance, however, any judgments or settlements will be covered up to the policy limits; this means that there’s no need to worry about blowing through your savings to cover unexpected costs. 

Umbrella insurance also covers more than just legal expenses; it can protect you from a variety of different situations. For instance, if someone slips and falls on your property and requires medical attention, umbrella insurance can help pay for their medical bills and related costs. It can also provide protection from libel or slander suits as well as other personal liability claims so you don’t have to worry about getting stuck with hefty damages if something goes wrong. 

In short, having umbrella insurance gives you extra peace of mind knowing that when accidents happen, you won’t have to bear all the financial burden yourself. The added coverage comes at a relatively small cost compared to the potential savings it can provide down the line which makes it well worth considering adding to your existing policy.

We Can Help!

For more information, give us at QuoteBroker Insurance Services a call today. We serve the Santa Clarita, CA area proudly.