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Alta Vista Insurance Agency

1020 S Santa Fe Ave, Suite K
Vista, CA 92084

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How Does Umbrella Insurance Work?

Umbrella insurance is a unique type of insurance that is helpful in a number of situations. To find out more about how it works, call us today at Alta Vista Insurance Agency in Vista, CA and talk with an agent. 

Home Insurance

If you already have a home insurance policy, you may know some of the coverage types it includes as well as some of the amounts. However, many people don’t pay much attention to the amount of liability coverage they have. The typical home insurance policy has a small amount of liability coverage, but it often isn’t enough to pay the bills if there were a serious accident that occurred for the third party inside your home. To get more of this coverage, you can get an umbrella policy. It adds more liability coverage to the coverage you already have through your home insurance policy. 

Auto Insurance

Just as an umbrella policy adds to the liability of your home insurance, it also adds liability coverage to your auto policy. Serious auto accidents can cause enormous amounts in medical and property damage bills. If you don’t have much coverage, you are simply responsible for the overage. But with umbrella insurance, you get a higher amount of liability coverage. 

An Umbrella Insurance Policy

Once an accident happens, your home or auto policy, depending on where the accident happens, will pay for the resulting bills that you are liable for. Once your home or auto policy is maxed out, the rest of the amount you owe is paid for by your umbrella insurance. This can save you financially after an accident that results in serious injuries. 

Get Your Umbrella Coverage

If you already have an auto and home policy and need more liability coverage, consider getting an umbrella policy. Contact us at Alta Vista Insurance Agency in Vista, CA to find out more. 

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