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Why You Need Umbrella Insurance

Having enough liability coverage is important, but most people don’t have as much as they should. Both auto and home insurance policies come with liability insurance, but it is generally a low amount. If you need more liability coverage, call us at New American Insurance in Columbia, SC to learn more about umbrella insurance. 

More Liability Coverage

When you get umbrella insurance, it increases the amount of liability coverage that you have for your who and home insurance. It provides a boost to both of these policies so that your maximum payout for liability is far higher. While many people get the bare minimum that they have to have for their auto insurance, medical bills can be steep, and you may find yourself paying for them out of pocket when your insurance maxes out. With an umbrella policy, that maximum becomes so high that it would pay for most accidents and medical bills. 

How It Works

With an umbrella insurance policy, the extra liability insurance is not added directly to your auto and home insurance policies. Instead, after an accident, the home or auto policy pays as much as it’s going to until it is maxed. Then, the umbrella policy comes in. It pays from that maximum up to a maximum of its own that is much higher. It allows you to increase your liability coverage without changing your auto or home policies and paying the high rates for home and auto policies that have a lot of liability coverage. 

Get Your Umbrella Protection

If you have an auto and a home policy, chances are that you could use more liability coverage. Contact us today at New American Insurance in Columbia, SC to find out more about umbrella insurance and how it can benefit you. 

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