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Umbrella Insurance

Umbrella insurance policies provide extra insurance protection should you be responsible for an accident that exhausts your home or auto liability insurance. In the past, only the wealthy purchased umbrella insurance policies. However, many people of more moderate means would do well to consider purchasing an umbrella insurance policy to protect their assets. You may want to consider getting an umbrella insurance policy for your home and auto insurance if your assets, including your home, your savings, and your retirement funds, exceed your current liability insurance, and particularly if you live in a state that does not protect your home from seizure. An umbrella insurance policy may also protect you if you have a judgment against you that exceeds the amount of your total assets. Generally speaking, your umbrella insurance policy’s deductible will be the amount of your regular liability insurance. So, if, for example, your homeowner’s and auto insurance have a $300,000 maximum payout, you would want to have a $300,000 deductible on your umbrella policy. This helps keep the costs of umbrella insurance policies lower than they might otherwise be. Most people try to get their home insurance, auto insurance, and umbrella policy from the same company. This can not only result in discounts on your insurance policies, it can lead to less paperwork and hassles if you do need to use your umbrella insurance policy. To get free quotes on umbrella insurance policies, enter your zip code in the box above. AutoCarInsurance.org provides you with up to 8 free quotes from leading insurance companies.