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How Does Umbrella Insurance Work?

Many insurance policies don’t come with much liability insurance. If that’s true for you, you may need an umbrella insurance policy to add to your coverage. To find out more about umbrella insurance, contact us at Shavano Insurance Agency LLC in San Antonio, TX.

Boosting Your Insurance Coverage

Umbrella insurance is used with two other types of insurance. If you have both auto and home insurance, you can get umbrella insurance to add to one of the types of coverage that these policies offer. Your auto and home policies have a small amount that is your liability coverage from those policies. However, as these amounts tend to be very low, umbrella insurance adds to the liability coverage that you have with both of these policies. This can help you to avoid a variety of financial problems with its boost of coverage. 

How It Works

First, there is an accident in your home or vehicle. Then, your home or auto insurance policy will assess the accident and figure out who is at fault. Next, the policy will pay for the accident until it reaches its payout limit. And because these limits tend to be low, anything left over to pay will come directly from your pocket. However, if you have umbrella insurance, the overage goes to your umbrella policy to be paid instead of your having to pay it. This can save you an enormous amount of money and even save you from serious financial harm. Umbrella policies have very high payout limits, so even a serious accident can be paid in full. 

Get Your Umbrella Policy

For more liability insurance, an umbrella policy can come in handy. If you’re interested in one of these policies, contact us at Shavano Insurance Agency LLC in San Antonio, TX to learn more about them. 

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