We all strive to protect the things that matter most—our homes, our vehicles, and our way of life. You likely already have auto and homeowners insurance, but have you ever wondered what happens if those policies aren’t enough? That’s where umbrella insurance comes in. At Hastings Insurance Agency LLC in Tomball, TX, we help clients understand how umbrella coverage works in conjunction with their existing policies to provide added peace of mind.
What Is Umbrella Insurance?
Umbrella insurance is a type of liability coverage that extends beyond the limits of your standard auto or home insurance. Think of it as an extra layer of protection. If you’re ever sued or held liable for damages that exceed your regular policy limits, umbrella insurance can help cover the remaining costs. This might include legal fees, medical bills, or property damage that your primary insurance didn’t fully cover.
How It Works With Auto and Home Policies
Umbrella insurance doesn’t replace your auto or home insurance—it complements them. You need to have these foundational policies in place first. For example, if you’re involved in a car accident and the damages exceed your auto policy’s liability limit, your umbrella policy can step in to cover the excess. Similarly, if someone is injured on your property and files a lawsuit, your umbrella insurance can help cover costs that go beyond your homeowners policy.
Protect Yourself From the Unexpected
No one plans for accidents, but being prepared can make all the difference. Umbrella insurance is a smart way to ensure you’re fully protected. Contact Hastings Insurance Agency LLC in Tomball, TX, today, and let us help you build a stronger safety net for life’s unexpected events.