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How Does Umbrella Insurance Work?

Umbrella insurance is a type that covers you against a number of adverse situations. It works alongside both your auto and home insurance policies to give you more protection. Without this coverage, you may someday find yourself trying to come up with large amounts of money, or you may even be sued. If you’re interested in umbrella insurance, give us a call right away at QuoteBroker Insurance Services in Santa Clarita, CA.

Umbrella and Auto Insurance

If you already have an auto insurance policy, umbrella insurance can make it even stronger. With your auto insurance, you have an amount of liability coverage in case you cause an accident and there are medical and property bills that are due. However, the state minimum amount for liability insurance that you have in your auto policy might not be enough for a serious accident. If you get an umbrella policy, this adds to your auto liability coverage so that you are far less likely to be sued and can pay for even very serious accidents. 

Umbrella and Home Insurance

Just as umbrella insurance gives you more auto liability coverage, it does the same for your home insurance policy. Home policies come with a small amount of liability coverage in case someone gets injured in your home. However, this amount is too small to pay for serious injuries. If you get an umbrella policy, it will add to your home liability coverage so that you can pay for even serious injuries without being sued by the injured person. 

Get Umbrella Coverage

If you have both a home and an auto policy, an umbrella policy can add liability coverage to both of them. To find out more about this type of coverage, call us at QuoteBroker Insurance Services in Santa Clarita, CA for more information. 

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