The Good Insurance Group, LLC

825 Central Road Suite 1
Bloomsburg, PA 17815

Get Directions
Pennsylvania Blog

How Does Umbrella Insurance Work?

When you have home and auto insurance, you may not have the protection that you think you do. These policies often have little liability coverage contained in them, and this can mean that you aren’t able to pay for a serious accident. One way to remedy this is to get an umbrella policy. If you are interested in getting one of these policies, give us a call today at The Good Insurance Group LLC in Bloomsburg, PA.

Liability Coverage

Your home and auto policies will have some liability protection, but the amount is often low. This can leave you ill-prepared to pay for a serious accident that happens on your property or in your vehicle. An umbrella policy gives you extra liability coverage for both of those insurance policies. And, it costs much less to get an umbrella policy than it would to add coverage onto your home and auto policies. This is a budget-friendly way to get a lot more coverage.

How It Works

Once an accident happens, the first insurance policy to pay out will be your home or auto policy, depending on the type of accident that occurred. This policy will come in and pay for the accident’s medical bills and other expenses, but only up to its stated maximum payout. After that, you would be on your own to pay the rest if you didn’t have an umbrella policy. If you have one, it would come in next and pay what is left of those bills, and it has a much higher maximum payout than your home or auto insurance. 

Get Your Umbrella Policy

If you want to have more liability coverage for your home and auto policies, call us now at The Good Insurance Group LLC in Bloomsburg, PA to find out more about these policies.