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Getting more liability insurance is a smart choice these days. Not only is society a litigious one, but there is also the problem of escalating medical costs. To protect yourself against accidents you may be liable for, you need umbrella insurance. If you are interested in this type of insurance, contact us at Martin Insurance Team in Evergreen Park, IL to find out more.
Home and Auto Liability Coverage
When you already have home and auto insurance, you may feel that you are well-covered for your liability. However, these policies often come with very little liability protection, especially with medical costs going up. You could find yourself having to come up with the overage if your home or auto policy doesn’t pay enough to cover the resulting bills. Umbrella insurance is a type of policy that adds more liability coverage to both your home and your auto policies.
Two-Step Liability Protection
When you have an umbrella insurance policy, it works in two steps. The first step is that the person’s home or auto policy will come in and pay for the bills you owe for your liability. If the coverage is enough to cover it, then that’s all that happens. However, if the policy doesn’t pay out enough to cover all of the bills, there is a second step. The umbrella policy comes in and pays that overage amount so that you don’t have to. It’s a great way to ensure that you are well-covered for situations that you can be held liable for.
Get Your Umbrella Policy
If you’re interested in having more liability coverage, call us today at Martin Insurance Team in Evergreen Park, IL to talk with an agent about this important coverage.
