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How Umbrella Insurance Works

Making sure that you have enough liability insurance can be tricky. How much is enough? With medical bills going up every day, it’s important to have a great deal of coverage so that you can make sure that those bills get paid after an accident. For many people, an umbrella insurance policy is a great way to make sure that they have enough protection. If you are interested in a policy, call us now at Midwest Professional Insurance.

Liability Coverage

Everyone needs to have liability coverage, which is especially true when you have an asset like a home or a car. If you have home and auto insurance policies already, you may assume that you have plenty of liability coverage. However, this may not be the case. Often, these policies come with small amounts of liability coverage in order to keep the price low. And, it can be very expensive to add liability coverage to those policies. The solution is to get an umbrella policy. These policies add more liability coverage to both of those insurance policies so that you are better covered. 

Two Insurance Steps

There are two steps involved when you use an umbrella policy to pay for an accident. The first step is for the home or auto policy to come in and pay what it can toward the medical bills that come from an accident. The second step is for the umbrella policy to pay what is left over after the first policy has paid as much as the policy allows. This ensures that there is no overage left for you to pay. And, the cost of umbrella insurance is low for the amount of coverage that you get. 

Get Your Umbrella Coverage

If you are interested in umbrella insurance, contact us at Midwest Professional Insurance.

Read More

Making sure that you have enough liability insurance can be tricky. How much is enough? With medical bills going up every day, it’s important to have a great deal of coverage so that you can make sure that those bills get paid after an accident. For many people, an umbrella insurance policy is a great way to make sure that they have enough protection. If you are interested in a policy, call us now at Midwest Professional Insurance.

Liability Coverage

Everyone needs to have liability coverage, which is especially true when you have an asset like a home or a car. If you have home and auto insurance policies already, you may assume that you have plenty of liability coverage. However, this may not be the case. Often, these policies come with small amounts of liability coverage in order to keep the price low. And, it can be very expensive to add liability coverage to those policies. The solution is to get an umbrella policy. These policies add more liability coverage to both of those insurance policies so that you are better covered. 

Two Insurance Steps

There are two steps involved when you use an umbrella policy to pay for an accident. The first step is for the home or auto policy to come in and pay what it can toward the medical bills that come from an accident. The second step is for the umbrella policy to pay what is left over after the first policy has paid as much as the policy allows. This ensures that there is no overage left for you to pay. And, the cost of umbrella insurance is low for the amount of coverage that you get. 

Get Your Umbrella Coverage

If you are interested in umbrella insurance, contact us at Midwest Professional Insurance.

What is Umbrella Insurance, And What Does It Cover?

The liability coverage in your home, boat, or auto insurance protects you up to a specific limit. However, when faced with significant claims, your current insurance plans could run out, leaving you exposed. When you find yourself in such a scenario, umbrella insurance from Midwest Professional Insurance is excellent for digging you out of this hole.

What is umbrella insurance?

Umbrella insurance is the extra liability protection that takes over when your current insurance plans’ limit runs out. Suppose you are involved in a significant auto accident, where you are at fault. Assume that your current auto liability coverage has a $30,000 limit for bodily damage. However, liabilities emanating from the accident may run to, let say, $50,000. Without umbrella insurance, you are expected to cover the difference of $20,000 from your pocket.

What does umbrella insurance cover?

Umbrella insurance safeguards against the below:

  • Bodily injury liability: Covers injuries sustained to third parties include a guest sustaining injuries on your premises or your dog biting a neighbor. 
  • Property damage liability: Pays for damages caused to other people’s properties. For instance, damage to another boat in a severe boating accident where you are at fault. 
  • Personal liability protection: The beauty of umbrella insurance is that it protects you against claims that aren’t covered by the base liability coverages. Umbrella insurance pays for the legal costs when you are sued against libel and slander. It also protects you against false arrest and malicious prosecution.

What does umbrella insurance exclude?

While umbrella insurance protects against several liabilities, it won’t protect you in the following instances:

  • Criminal or intentional acts
  • Injury to oneself
  • Damage to own property
  • Liabilities assumed under a contract

Would you want peace of mind by purchasing umbrella insurance? If yes, contact Midwest Professional Insurance today for a quote.

Read More

The liability coverage in your home, boat, or auto insurance protects you up to a specific limit. However, when faced with significant claims, your current insurance plans could run out, leaving you exposed. When you find yourself in such a scenario, umbrella insurance from Midwest Professional Insurance is excellent for digging you out of this hole.

What is umbrella insurance?

Umbrella insurance is the extra liability protection that takes over when your current insurance plans’ limit runs out. Suppose you are involved in a significant auto accident, where you are at fault. Assume that your current auto liability coverage has a $30,000 limit for bodily damage. However, liabilities emanating from the accident may run to, let say, $50,000. Without umbrella insurance, you are expected to cover the difference of $20,000 from your pocket.

What does umbrella insurance cover?

Umbrella insurance safeguards against the below:

  • Bodily injury liability: Covers injuries sustained to third parties include a guest sustaining injuries on your premises or your dog biting a neighbor. 
  • Property damage liability: Pays for damages caused to other people’s properties. For instance, damage to another boat in a severe boating accident where you are at fault. 
  • Personal liability protection: The beauty of umbrella insurance is that it protects you against claims that aren’t covered by the base liability coverages. Umbrella insurance pays for the legal costs when you are sued against libel and slander. It also protects you against false arrest and malicious prosecution.

What does umbrella insurance exclude?

While umbrella insurance protects against several liabilities, it won’t protect you in the following instances:

  • Criminal or intentional acts
  • Injury to oneself
  • Damage to own property
  • Liabilities assumed under a contract

Would you want peace of mind by purchasing umbrella insurance? If yes, contact Midwest Professional Insurance today for a quote.

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