When you want to be insured for everything that can happen, you need to have enough coverage for accidents. When you already have a home and an auto policy, you have some protection against accidents. However, these policies might not give you much of this coverage. You could be left vulnerable to severe accidents and the bills due after they happen. If you're in New York and need more coverage against accidents, call Worthington Carroll Agency in Port Jervis, NY to learn more.
Your home and auto policies will come with some liability coverage in case an accident happens with your vehicle or in your home. However, it's often not much coverage. If a nasty, expensive accident was to happen, this might not be enough coverage. An umbrella policy is one of the best ways to get more coverage. This adds extra liability coverage onto both of those policies so that you are far better protected. This is a much less expensive option than adding more coverage directly onto your home and auto policies. That could be prohibitively expensive. An umbrella policy costs much less and has a very high maximum amount.
When there is an accident either in your home or with your vehicle, there can be huge bills that you'd have to pay. First, your home or auto policy will come into the picture and pay what it can. However, after the maximum is reached, it won't pay anymore. When you have an umbrella policy, it comes in next and pays those overages. An umbrella policy protects you well against medical bills and other costs associated with an accident.
If you're in New York and are interested in umbrella insurance, call us at Worthington Carroll Agency in Port Jervis, NY to get started with a policy that will protect you.
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