{"id":43,"date":"2021-02-17T04:00:00","date_gmt":"2021-02-17T10:00:00","guid":{"rendered":"https:\/\/www.everettinsurance.com\/blog\/?p=43"},"modified":"2021-02-17T14:12:28","modified_gmt":"2021-02-17T20:12:28","slug":"what-is-an-umbrella-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.everettinsurance.com\/blog\/what-is-an-umbrella-insurance-policy\/","title":{"rendered":"What Is an Umbrella Insurance Policy?"},"content":{"rendered":"<p>An umbrella insurance policy is a type of coverage that adds extended liability protection for&nbsp;policies that you already have. To learn more, call us at&nbsp;Everett Insurance in&nbsp;Glen Allen, VA to talk to an insurance agent.&nbsp;<\/p>\n<h3><strong>Home and Auto Coverage<\/strong><\/h3>\n<p>Before you can get umbrella insurance, you need to have your auto and home insurance in place. With these two policies, there are low levels of liability coverage that generally are included. However, this small amount of liability insurance is rarely enough if there is a serious incident in your vehicle or home you are liable for. Umbrella insurance is a way of expanding that liability coverage to pay for a serious accident or other incidents.&nbsp;<\/p>\n<h3><strong>Extend Your Liability Coverage<\/strong><\/h3>\n<p>The way that umbrella insurance works is up to the original policy, whether it&#8217;s auto or home insurance, to first pay for an accident. Once the policy has paid out to its maximum, umbrella insurance will then kick in. These policies have very high maximum payouts so that you aren&#8217;t likely to have to pay anything out of pocket with an umbrella insurance policy in place.<\/p>\n<p>So, why not just expand your liability coverage on your auto and home policies? Because it&#8217;s extremely pricey to do so. Extending that coverage can significantly raise your rates, but getting an umbrella policy is relatively inexpensive. It&#8217;s an easier and less expensive way to expand that liability coverage to be ready if the worst should happen.&nbsp;<\/p>\n<h3><strong>Talk to an Agent<\/strong><\/h3>\n<p>If you&#8217;re ready for umbrella insurance or want to find out more about it, call us at&nbsp;Everett Insurance in&nbsp;Glen Allen, VA to schedule a time to talk to an agent about this type of coverage. It may be a great way for you to save money on better coverage.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>An umbrella insurance policy is a type of coverage that adds extended liability protection for&nbsp;policies that you already have. To learn more, call us at&nbsp;Everett Insurance in&nbsp;Glen Allen, VA to talk to an insurance agent.&nbsp; Home and Auto Coverage Before you can get umbrella insurance, you need to have your auto and home insurance in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[3,2],"class_list":["post-43","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-everett-insurance","tag-glen-allen-va"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"An umbrella insurance policy is a type of coverage that adds extended liability protection for policies that you already have. To learn more, call us at Everett Insurance in Glen Allen, VA to talk to an insurance agent. Home and Auto Coverage Before you can get umbrella insurance, you need to have your auto and home insurance in\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.everettinsurance.com\/blog\/what-is-an-umbrella-insurance-policy\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.4\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Everett Insurance -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"What Is an Umbrella Insurance Policy? - Blog | Everett Insurance\" \/>\n\t\t<meta property=\"og:description\" content=\"An umbrella insurance policy is a type of coverage that adds extended liability protection for policies that you already have. To learn more, call us at Everett Insurance in Glen Allen, VA to talk to an insurance agent. 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