If you already have a home policy and an auto policy, you might not be as well-protected as you think. An umbrella policy can help you to have more coverage and stay better protected. To find out more, give us a call now at Luebbering Insurance Agency LLC in Jefferson City, MO.

Liability Coverage

When you have an auto policy and a home policy, both of them come with an amount of liability protection. However, they generally don’t have much of it. This can leave you vulnerable to lawsuits and paying overages after your insurance has maxed out. To keep yourself better protected, there is umbrella insurance. This type of policy works with both your home and auto policies. It adds extra liability coverage to both of them with one policy. 

Cost-Effective Coverage

While many people want to put extra liability coverage directly on their home and auto policies, it isn’t cost-effective to do so. It can be prohibitively expensive for many people, and it can drive your insurance costs well past your budget. The less expensive way to handle it is to get an umbrella policy. This one policy adds a huge amount of liability coverage onto both those policies, and it is very reasonably priced. 

How Umbrella Insurance Works

First, there is an accident in your vehicle or in your home. Then, the insurance company that handles it, either home or auto, takes care of the resulting bills that you are liable for. However, with their small liability amounts, there may be a significant amount of money left over for you to pay. That’s when the umbrella policy comes in. It pays the rest up to a much higher maximum.

Stay Protected

To get an umbrella policy for your protection, call us at Luebbering Insurance Agency LLC in Jefferson City, MO.