Month: May 2021

If you own a car and a house, you most likely have insurance policies on both of them. However, these policies can be lacking significantly. To make up for that lack, there is umbrella insurance. If you want more coverage for your home and car, call us today at Carminucci Agency in Croton Falls, NY. 

Your Home Coverage

Your home insurance protects you against a lot of different problems, and liability is one of them. In general, home policies have minimal liability coverage that can be used if someone has an accident or gets sick inside your home. However, it won’t cover a major accident or other incidents because the amount is so limited. To add more liability coverage to the policy would be extremely expensive. But, you can get more liability coverage for your home insurance by getting an umbrella policy. These policies add to the amount of liability coverage you have in your home insurance to cover a major accident. 

Your Auto Coverage

Umbrella insurance works with auto insurance policies in the same way it works with home policies. It adds extra liability coverage above the amount covered in your auto policy. If you were to have a major accident, the auto insurance would payout first. Once it paid up to its maximum, your umbrella policy would then kick in and pay up to its maximum, which is very high. This protects you from having to pay that overage by yourself. Most people with a home and car could use this insurance to give themselves better protection. 

Umbrella Insurance Policies

If you are interested in adding to the amount of liability coverage you have, contact us at Carminucci Agency in Croton Falls, NY, to discuss your coverage needs.