How Umbrella Policies Offer Layered Coverage 

When it comes to insuring their homes and vehicles, many residents in Macungie, PA rely on home and auto insurance as their primary financial safety nets. While these policies provide essential coverage, unexpected events can sometimes result in claims exceeding standard policy limits. That’s where umbrella insurance comes in, offering an extra layer of liability protection.

What Is Umbrella Insurance?

Umbrella insurance can supplement your existing home and auto policies by providing additional liability coverage. If you’re faced with a major claim or lawsuit that surpasses your standard policy limits, an umbrella policy can help cover the remaining costs.

This type of coverage may be especially valuable amid the rising costs of today’s world, where legal expenses and settlements can quickly add up. Furthermore, it may provide coverage for personal and advertising injuries, which are typically excluded from the personal liability component of standard home insurance.

How Can I Benefit From Layered Coverage?

If you’re found liable for third-party losses that exceed the limits of home and auto insurance policies, you could be responsible for paying the difference out of pocket. Some scenarios where umbrella coverage may be beneficial include:

• Serious auto accidents with multiple injuries or damage to property
• Accidents on your property resulting in significant medical bills
• Lawsuits related to libel, slander or other personal injury liability claims

The Advantages of Bundling With Valera Agency

By bundling your home, auto and umbrella insurance, you can streamline your coverage, simplify your policy management and enjoy cost savings. We offer guidance on:

• Choosing the right umbrella policy limits
• Coordinating coverage between your home, auto, and umbrella policies
• Understanding how layered protection can safeguard your financial future

Our team at Valera Agency is here to answer your questions and help you explore your options for umbrella insurance, bundled coverage and more. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.