Your home and auto policies each have their own liability limits, and an umbrella adds protection above them. It is very important to review all three with an insurance agent so the limits fit together and match your needs.
Your home and auto policies each have their own liability limits, and an umbrella adds protection above them. It is very important to review all three with an insurance agent so the limits fit together and match your needs.
If someone is hurt in a car accident you cause, your auto liability coverage pays first, up to its limit. If someone is hurt at your home, your homeowners liability coverage pays first. An umbrella policy pays covered claims above those limits.
Umbrella carriers usually require minimum liability limits on your home and auto policies. If your limits fall below those minimums, you could be left with a gap between where your policy stops and where the umbrella starts.
Hicks Insurance reviews your home, auto and umbrella limits together and recommends coverage that fits your situation. Learn more about umbrella insurance.
Give us a call today and we can help.
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