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Texas Umbrella Insurance Coverage

Umbrella Insurance

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Umbrella Insurance

When Should I Purchase an Umbrella Policy?

Your home and auto insurance policies have payout caps in place. This tells you how much the insurance company will financially cover when there is an accident. Even minor auto accidents with few slight injuries can be costly. If you are found to be at fault for the accident, your liability policy will cover the other person’s repair costs and medical fees. Unfortunately, some accidents are major. Even with comprehensive and collision insurance, it’s easy to see how the expenses can quickly mount. Also, in these cases, the other party can sue you. The costs can quickly max out the coverage amounts that you have. When you have umbrella insurance, though, you’re protected. At Spross Insurance Agency, our agents work with Texas residents to get the financial coverage they need.

Umbrella insurance is a protection that is available when your current policies coverage caps are maxed out. Without it, you’re financially responsible for any excess expenses beyond the cap. With it, when your policy caps are reached, it goes into effect to cover any extra costs. This protects your assets at a time when you most need it. This is even more important if a person decides to sue you for an accident that happens on your property or in your car. If their expenses reach $500,000, but your home or auto insurance only covers $250,000, you would be responsible for the excess expenses. With an umbrella policy, these will be covered, and you will be protected.

In Texas, our team at Spross Insurance Agency are ready to discuss your umbrella policy options. We will take the time to get to know you so that you can get the best coverage. Don’t wait until it’s too late. Protect your family and your assets today!

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