Liability coverage is one of the most important types of insurance coverage that you need. There are a lot of situations in which you may end up owing someone else’s medical bills or other costs. Whether the accident involves your vehicle or takes place in your home, you can be he’d responsible for the costs that follow. You get liability coverage from your auto and home policies, but you’re likely to need more. To get started with umbrella insurance for more liability coverage, call us at TAS Insurance Agency in Phillipsburg, NJ.
More Liability Protection
While you do have some protection against liability in your home and auto policies, it may not be as much as you need. Both your home and auto policies will have a specific amount of liability coverage to give you a layer of protection. The problem is that this may not be enough to pay for an accident that’s serious and very expensive. When you get an umbrella policy, it adds more liability coverage to both policies at once. This gives you better coverage so that insurance can pay for a particularly expensive accident.
Paying the Overages
With the relatively small amounts of coverage in your home and auto policies, it may not be enough to pay when the cost is high. When you have umbrella insurance, it pays for the overages that are left after the first policy comes through and pays as much as it can. This prevents you from owing those overages from out of pocket. This coverage is highly important in case the worst should happen.
Get Your Umbrella Policy
To make sure you have enough liability coverage, you need to get an umbrella policy. To get started, give us a call today at TAS Insurance Agency in Phillipsburg, NJ.
