When most people think about their biggest assets, most think about their home and their vehicles. The best way to protect them both is with an insurance policy for each. However, it is common for many home and auto policies not to offer enough coverage should the worst happen. There are so many things that can cause lawsuits now that liability insurance is now more important than ever. If you don't have enough, your future could be at risk. If you're interested in getting better coverage, call us at Dott Insurance Group LLC in Pennsylvania to make an appointment with an insurance agent.
If you have a home, the chances are that you have home insurance. This covers many calamities and protects the home inside and out. However, it doesn't always offer much protection for things like accidents in the house. That kind of liability insurance can be expensive to upgrade on your homeowners' insurance. Many people instead choose an umbrella insurance policy to lend more liability coverage to their home insurance. If some calamity were to happen, your homeowners' policy would payout to its max, as stated in the contract. After that, you pay out of pocket unless you have umbrella coverage to make up the difference.
Like your home insurance, liability is needed in every auto insurance policy, but you may not have enough. An umbrella policy adds liability insurance coverage to both your auto and home policies, giving you more coverage above and beyond what your auto policy will pay. With the cost of accidents today, it's a risk not to be without better liability coverage.
If you want better liability coverage, call us today to make an appointment with one of our expert agents. At Dott Insurance Group LLC of Pennsylvania, we can help you understand policies and see how they will protect you.