Does your auto insurance offer all the protection you need? Does your home insurance policy cover all the common and the unexpected "what if" scenarios? The truth is, everyone could probably use a little more insurance to fill in the gaps, and at the Allied Brokers Insurance Agency Inc., we offer umbrella insurance policies to help residents in and around Palo Alto, CA cover those gaps.

Fill in the Gaps with Umbrella Insurance

Your auto insurance policy has set coverage limits, and your home insurance provides coverage for a range of common issues, but what happens when a car accident exceeds those limits or uncommon issues of liability (dog bite, personal injury, etc.) occur? 

Those questions are also what lead to the need for umbrella insurance. Can umbrella insurance better protect your home and family? How do you know?

Do You Need Umbrella Insurance? Here’s How to Find Out

Arguably, the most important question regarding umbrella insurance is if you need it, or in other words, would umbrella insurance benefit you, your family, and your home? To determine that requires evaluating various aspects of your current and future situation and status. 

Do you own dogs? Do you have a swimming pool, children, or rental properties? Do you have a lucrative income? These are a few of the many considerations a good agent will weigh when helping you determine your needs and or how much insurance to get.

Your Umbrella Insurance Expert

If you live in the Palo Alto, CA area and are considering umbrella insurance or have questions regarding how it works, the experienced and professional team at Allied Brokers Insurance Agency Inc. can offer expertise for all your umbrella insurance questions and needs. Contact us to find out more, and let us show you how umbrella insurance could benefit you today.

Getting enough coverage is important, and many people discover that they aren’t as well-insurance as they thought they were. When people have an auto policy and a home policy, there may not be as much coverage in them as is needed. If you have these two policies, you can get more coverage by adding an umbrella policy These policies are an extra blanket of insurance protection so that you’re well-covered. To get your umbrella policy, call us at Allied Brokers Insurance Agency Inc. in Palo Alto, CA.

Extra Liability Insurance

Your auto and home policies each have different coverage types, and one of those is liability coverage. For a home policy, this pays for an accident in which someone from outside the household has an accident and has medical bills. Your auto policy has the same in case someone is injured in a car accident. The problem comes from these policies having too little coverage to pay for a serious accident. These policies often have little liability coverage, and that could leave you on the hook for paying for the high cost of medical bills. 

Covering an Accident

Once an accident with injuries has happened, your auto or home policy will be the first one to come in and pay for the medical bills. If you don’t have umbrella insurance, this may pay only a small amount and leave you with everything that’s left over. This can be a large amount with the high cost of medical treatment. When you have umbrella insurance, it comes in after your home or auto to pay what’s left after that policy has maxed out. This covers your overages so you don’t have to. 

Get Umbrella Coverage Today

When you want better coverage, you need umbrella insurance. Call us at Allied Brokers Insurance Agency Inc. in Palo Alto, CA.