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Umbrella Insurance

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Umbrella Insurance in New York

Many people take it for granted that their required insurance policies have enough coverage in them should the worst happen. However, there are some types of coverage that are often underrepresented in our home and auto policies. If you aren’t sure that you have enough coverage on these two policies, you may need an umbrella policy to add to that coverage to leave you better protected. If you’re in New York, call EverGreen Insurance Agency – Peter Schmidt in New York to learn more about these policies.

Liability Insurance

Liability insurance is one of the most important types of insurance you can have. It pays for issues that are caused to third parties such as illnesses and accidents. These often come with high medical costs due to the ever-higher cost of medical treatment. If you don’t have much liability insurance in either your home or auto policies or both, it may be time to get an umbrella insurance policy.

Home and Auto Insurance

An umbrella policy works with both your home and auto insurance policies. Because both of those insurance types often come with very little protection against liability, many people choose to boost the coverages with an umbrella policy. When you have an umbrella policy in place, it works along with your home and auto policies. If an accident happens in your home or because of your vehicle, your home or auto insurance kicks in right away. However, it only pays up to its maximum, and this is often a low number. With an umbrella policy, your umbrella insurance kicks in once the other policy has maxed out its coverage.

Get Your Umbrella Policy

If you have too little liability insurance and you live in New York, call the EverGreen Insurance Agency – Peter Schmidt in New York, to find out more about umbrella policies.

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