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Janis-Shunta Insurance

950 W. Norton #500
Muskegon, MI 49441

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How Umbrella Insurance Works

Having home and auto insurance policies may not be enough when you want to be well-insured. These policies can offer much protection but can come up short in some areas. To give yourself more protection, there is umbrella insurance. If you’re interested in this complimentary insurance coverage, call us at Janis-Shunta Insurance in Muskegon, MI.

What Is Umbrella Insurance?

Umbrella insurance is a type of coverage that works alongside other policies that you also have. It works with your auto and home insurance policies to boost the amount of coverage that you have in each of these policies. It does this by boosting the amount of liability coverage that is in both. Liability coverage is what you need to pay for another person’s medical bills or damages when you are at fault for an accident. The problem is often that there isn’t enough liability coverage in these policies to pay for an expensive accident. This can mean you have to pay the overage left over after your home or auto policy has reached its maximum. 

A Higher Maximum

Umbrella insurance policies are known for their very high maximums. If there is an overage after your home or auto policy has maxed out for your claim, your umbrella insurance can pay that overage. The high maximums of umbrella insurance policies ensure you can pay for a serious accident that costs a lot in medical bills, damages, or both. It’s a good idea to have this type of policy so that you know you’re protected financially in case of a costly accident. 

Get Your Umbrella Policy

It’s less expensive to get an umbrella policy than it is to add coverage directly to both of your other policies. Call us at Janis-Shunta Insurance in Muskegon, MI to get your policy.