Insurance can be overwhelming if you think about it. You are going to need homeowners insurance if you have a home. If you have a vehicle, you also need to make sure that you have insurance for that too.
Many people go with the cheapest policy that they can get. However, that can be a mistake. You want to make sure that you are fully protected, no matter what happens. In order to do this, you need to know exactly what your policy says, so that you know what is covered (and what isn’t).
That being said, the best policy in the world may not be enough. For this reason, you may want to consider getting an umbrella policy. But before you do that, you need to know what that is.
So, what is umbrella insurance?
In easy terms, an umbrella policy could be considered extra insurance. It is used to protect you and your assets from a liability claim. It will protect you against bodily injury and personal property claims.
You need to remember that it is added to your current policy. It can’t be used in place of a normal policy. It will kick in once you reach your liability limits on your regular insurance (whether it is your homeowners, automobile, or business insurance).
You may want to think about it as an additional layer of coverage to your current policies. The thing to remember is that, since everyone is different, the best way to make sure that you are fully protected is by talking to an experienced insurance company.
If you live in Granbury, TX, don’t hesitate to contact us at All-Tex Insurance. We would love to be able to help you with all of your insurance needs.
