Umbrella Insurance — When Can I Choose to Use it?
If you are a homeowner in Eureka, MO, and need to file a claim with your insurance company for the first time, you might be wondering if you have the option of choosing between your homeowner’s policy or your umbrella policy? This is a legitimate question, as both are in place to protect your property and assets. Our experienced team at Focus Insurance will gladly explain how each policy works to avoid any confusion.
Homeowner’s Insurance Coverage
Your homeowner’s insurance is considered your primary coverage. The policy covers your house and your personal belongings (clothes, furniture, electronics, etc.), and provides personal liability in the event someone is injured while visiting your home. This means your homeowner’s policy is the policy that will be used when a claim is filed. Because it is the primary insurance policy, it is used first. You do not have the option of choosing which policy to use.
Umbrella Insurance Coverage
An umbrella policy is, in essence, adding a second layer to your liability coverage. Once the limits on your homeowner’s policy are reached, the umbrella policy steps in. The policy covers liability issues resulting in property damage, in the event of a car accident you are found responsible for, or bodily injury, such as when the person injured on your property files a lawsuit. It can also help with the fees associated with a liability lawsuit.
Contact Us
When Eureka, MO residents have both homeowner’s insurance and an umbrella insurance policy, they can rest easy knowing that when the limits are reached on the liability portion of their homeowner’s policy, the umbrella policy will take care of the rest. Call us at Focus Insurance about your policy needs, so you’ll have plenty of protection when needed.
