Should I include umbrella insurance when bundling my home and auto policies?

When you review your insurance, look at your liability limits and decide how much umbrella coverage you need. For many households, adding an umbrella to a home and auto bundle is the simplest way to raise their liability protection.

Key Takeaways

- Review your liability limits whenever you bundle.
- An umbrella adds liability protection above home and auto.
- The right umbrella amount depends on your assets and risks.

When you review your insurance, look at your liability limits and decide how much umbrella coverage you need. For many households, adding an umbrella to a home and auto bundle is the simplest way to raise their liability protection.

How an umbrella works with your bundle

An umbrella policy pays for covered liability claims after your home or auto liability limits are used up. Umbrella carriers usually require minimum limits on the underlying policies, so it helps to set them up together.

How much umbrella you might need

The right amount depends on your assets, income and risks, such as teen drivers, a pool or frequent guests. Umbrella limits are commonly written in $1 million increments.

How Hicks Insurance can help

Hicks Insurance can help you choose an umbrella limit and line up your home and auto limits. Learn more about umbrella insurance.

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Give us a call today and we can help.

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