Umbrella Insurance

Having enough insurance to protect yourself is always the best course of action. If you already have home and auto coverage policies, you may believe you have enough. However, portions of this coverage may not be enough for your needs. That's where umbrella insurance comes in. It can leave you far better protected in case of accidents. Contact us at Pioneer Insurance of Hickory in North Carolina if you want to know more about umbrella insurance.

Home and Auto Policies

Your home and auto policies each have a few different kinds of coverage inside them. One of these types of liability coverage. With both auto and home insurance, it's essential to have liability coverage in case you are judged at fault for an accident that occurs with your vehicle or in your home. However, the amount of liability insurance is often relatively low. It might not be enough to pay for an accident with serious damage or injuries. When this happens, the policy can't pay for all the money you owe, and you end up paying for what is left over.

Umbrella Policies

When you have an umbrella policy, you get more liability coverage for your auto and home insurance policies. It adds an extra layer of coverage to those policies so that you are far better protected in case of accidents. First, the auto or home policy comes in and pays what it's able to pay. When there's money left over to pay, your umbrella policy will come in to pay that overage. This can save you an enormous amount of money after a serious accident.

Get More Liability Coverage

Umbrella policies have very high maximum payouts, and they're cost-effective to put in place. Call us at Pioneer Insurance of Hickory in North Carolina to get started.