When you have certain insurance policies, you may need an umbrella policy to protect you from those policies. Umbrella insurance works with your home and auto policies at the same time. It adds onto both of them so that you have the protection you need against large expenses related to an accident. Call us at BES & Associates Insurance in Walford, MD to get started with umbrella insurance.

Enormous Liability Coverage

Umbrella insurance adds more liability coverage to both your home and auto policies. When you get an umbrella policy, it comes with an enormous amount of coverage. These policies are large because they’re meant to pay for expensive accidents. If someone has an accident in your home or on your property, your home policy has liability coverage to pay for it. If your vehicle has an accident, your auto insurance also has this coverage. The problem is that these policies often don’t have enough to pay for an accident that’s serious or otherwise very expensive. With umbrella insurance, you get enough coverage to pay for those accidents.

Overage Payment

If you only have home or auto insurance, this might not pay all of the bills after an accident, and that would leave overages left over for you to pay. When you have umbrella insurance, this policy will pay for those overages. Without this extended liability coverage, you would have to pay the overages from your own pocket. This could be an enormous amount that leaves you with serious financial problems.

Get Umbrella Insurance in Walford!

To make sure you have enough liability coverage, you need an umbrella policy. These policies cost less than adding coverage directly to both of your other policies. Call us at BES & Associates Insurance in Walford, MD to get started with umbrella coverage.