Umbrella Insurance in Arizona

When you have both auto and home insurance, you have suitable protection against several kinds of accidents, but do you have enough of it? It's possible to be insured but not have the protection you need against accidents. If you're in Arizona and you could use a boost to your insurance coverage, contact us today at The Insurance Team.

Your Home and Auto Coverage

Both your home and auto policies each come with an amount of liability insurance in case of accidents in which someone is injured. The most important aspect of home insurance has to do with accidents that happen to people who don't live in the home. For auto insurance, it's accidents caused by your vehicle. In both cases, liability coverage comes with a stated cap. Once that maximum is met, everything left over is up to you to pay. However, if you have umbrella insurance, that policy will keep paying.

How It Works

After an accident, either the home or the auto policy picks up as much of the medical bills as possible. However, once its cap is met, there may still be bills due. When this happens, the bills leftover are picked up by the umbrella policy. These policies come with extremely high payout caps, so you are unlikely to owe anything once these policies have paid those leftover bills. When you have umbrella insurance, you can avoid paying a lot of money in overages after your first policy has paid out.

Get Umbrella Insurance in Arizona

If you're in Arizona and you could use an umbrella policy, give us a call at The Insurance Team to find out more about these helpful policies. It's insurance that can leave you much better protected, and its cost is low.