When you purchase various insurance products in Federal Way, WA, you expect them to serve their purpose. Home, auto, and other policies are great when you need to file a claim. However, what happens if there is insufficient coverage on a particular policy? At Hart Insurance, we want to explain why umbrella insurance can be one of the best products to have.
Why is an Umbrella Policy Important?
An umbrella policy serves as an added layer of protection for you – on top of the coverage that you obtain from home, auto, RV, boat, and other insurance policies.
You bring your umbrella “in case” it rains. The same is true of this policy. You obtain it “in case” there’s a really bad accident that requires you to have more money than your standard policy offers.
The umbrella policy sits above all of your other insurance policies. If your liability coverage on your home isn’t enough to deal with a lawsuit, it can cover the legal fees. If you’re in a major car crash and the medical coverage isn’t enough to cover the medical bills, it can take care of it for the other party.
How It Can Offer Financial Protection
Ultimately, umbrella insurance provides you with greater financial protection and peace of mind. You cannot risk your savings, your home, or your future because of one accident.
Without this extra coverage, you would be financially responsible for what an insurance policy doesn’t cover – and that’s enough to bankrupt the average person.
Explore Umbrella Insurance Today
When you’re ready to explore umbrella insurance in Washintgon it pays to talk to an insurance agent. This way, you can learn more about how it works and what kind of coverage will offer the protection you need. At Hart Insurance, we’re here to answer questions and guide you through the process.