When you already have an auto insurance policy and a home insurance policy, you may feel like you’re protected against liability. However, these policies may not have as much protection as you think. Many home and auto policies are sorely lacking in their liability coverage. If you want to be better protected, getting an umbrella policy to supplement those two policies is important. This can help you to have the coverage you need, just in case. When you want an umbrella policy or to learn more, call us at 925 Partners in Jacksonville, FL.

More Liability Coverage

Accidents can happen in your home, leaving you liable for medical bills and lost wages. Accidents can happen in your car that cost you big when you have to pay for the other party’s medical bills, lost wages, and property damage. When you get an umbrella policy, it adds a large amount of extra liability coverage to both your home and auto policies. This leaves you with far more that can be paid out after a serious accident.

Paying Overages

If you don’t have an umbrella policy, a serious accident can mean that your home or auto policy isn’t able to pay for all of the damages. When this happens, there’s an overage left over that you’ll still have to pay. This can be an enormous amount with the high cost of medical care. When you have an umbrella policy, the home or auto policy steps up first and pays up until it reaches its maximum. After that, the umbrella policy pays for the rest of the bills owed.