Liability coverage is one of the most important types of coverage. You could find yourself liable for an accident or other incident that ends up injuring someone or damaging their property. Without adequate liability coverage, you would have to pay all of those bills by yourself. If you are interested in getting more liability coverage, call us today at Bogden Insurance Agency in Berlin, CT.
Adding to Your Liability Insurance
Auto and home insurance policies usually come with some coverage for liability. In auto insurance, it is usually mandated by the state that you must have a certain minimum amount of liability coverage. However, many people only get this minimum amount of liability coverage, and they have just a small amount on their home insurance as well. An umbrella insurance policy adds to the liability coverage of both of these policies. It adds a layer of liability protection right on top of the other policies to make it far less likely that you would have an overage to pay.
When an accident does occur, the home or auto insurance, whichever covers it, will go to work to pay for the incoming bills from your liability. When this insurance reaches its max and won’t pay anymore, your umbrella policy swoops in to pay the overage up to a much higher maximum. This allows you to be financially saved from going bankrupt to pay the high bills coming in. It can save your future financial life and keep you in a much better position.
Get Your Umbrella Policy
If you don’t have much in the way of liability coverage, it’s time to change that. Call us at Bogden Insurance Agency in Berlin, CT to talk to an agent about umbrella coverage.