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Umbrella Insurance

Umbrella Insurance

If you already have a home policy and an auto policy, there is another type of insurance that you may want to be better protected. An umbrella insurance policy works with both of those other policies so that you have more coverage. If you have questions about umbrella insurance and how it works, you can call us today at Modern Insurance in Ohio to find out more.

It Works with Your Auto Insurance

If you have a good auto policy in place, it contains a few different types of coverage. At least one of those will be your liability coverage. However, these policies often have small amounts of liability protection in them. This makes it a good idea to get more liability insurance in case of a severe accident. A severe accident can cause a lot of bodily injuries and property damage, which can cost a fortune. Umbrella insurance adds to the amount of liability coverage you have in your auto policy to extend the maximum payout for your coverage.

Also, Your Home Insurance

Just as umbrella insurance adds to your liability protection in your auto policy, it does the same for your home policy. Home insurance policies typically come with very little liability protection, but this is essential coverage. With an umbrella insurance policy in place, you will have a much higher maximum in case of a severe injury that happens on your property. First, the home policy pays for the resulting medical bills up to their maximum. After that, the umbrella policy comes in and pays up to a much higher maximum payout. This could save a homeowner from financial ruin if someone were to be badly injured on their property.

Get Your Umbrella Policy

If you know how important it is to have extra liability coverage, getting umbrella insurance is a cost-effective way to reach your goal. To find out more, contact us at Modern Insurance in Ohio.