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Vance Insurance Group, LLC

3705 W Memorial Rd
Suite 1405
Oklahoma City, OK 73134

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Month: June 2022

How Umbrella Insurance Works

Posted on June 14, 2022June 14, 2022 by admin

Having home and auto insurance is important for protecting yourself financially from certain risks. These insurance policies offer several different kinds of coverage in each policy, and one of these types is liability insurance. When you need more liability coverage than you already have, you need umbrella insurance. To get started, call us today at Vance Insurance Group LLC in Oklahoma City, OK. 

How Umbrella Insurance Works

More Liability Coverage

Your home and auto insurance policies each have liability insurance, but it often isn’t enough. When you have these policies and want to increase the amount of coverage you have, adding more liability coverage directly to your policies can be very expensive. Instead of doing it that way, you can get an umbrella policy. This insurance adds more liability coverage to your home and auto policies. It gives you that extra blanket of protection, and it does it without the high cost of adding right to your other policies. 

Paying the Overage

When an accident happens with your vehicle or on your property, you can be held liable for the expenses that are due such as lost wages, medical bills, etc. After the accident, your home or auto insurance, whichever is applicable, steps in to pay for those expenses. The policy can only pay as much as the maximum coverage amount. However, this can leave an overage after the policy has maxed out. That’s where an umbrella policy steps in. It pays for those overages, and it has an extremely high maximum payout. Having umbrella insurance can save you from enormous bills that you may owe after an accident. 

Get More Coverage

Many people don’t have enough liability coverage, and it can cost them a lot of money in overages. Protect yourself against this by calling us at Vance Insurance Group LLC in Oklahoma City, OK.

Posted in Umbrella InsuranceTagged Oklahoma City OK, Vance Insurance Group LLC

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