Are you the type of person who wants to be sure you have top-tier protection from life’s worst-case scenarios? If that is the case, you may want to consider umbrella insurance. There are many in the Round Rock, TX, area, and abroad that consider umbrella insurance to be extremely smart. The concept makes a lot of sense, and our team at DGIA, LLC can help walk you through all the intricacies of such a policy. When thinking about umbrella insurance, though, do you need it for each policy? How much umbrella insurance can you sit on top of?
Umbrella Insurance and Blanket Coverage
Umbrella insurance is unique in the way it is set up. It is a type of insurance policy that is going to carry a limit that goes above and beyond what you have on your underlying policies.
With just one umbrella insurance policy, you can have it cover things such as liability, property, worker’s compensation, etc. The umbrella policy and its limit will be able to sit on top of the underlying limits of all other policies you already own.
Blanket Additional Coverage
The great thing about umbrella insurance is its blanket additional coverage. The trick is to formulate an attachment point on your umbrella policy so you have no gap between your underlying limits and when they kick in. At that point, it is a matter of deciding on the proper limit on your umbrella to have the top-tier protection you seek. Professionals serving the Round Rock, TX area, our team at DGIA, LLC is here to help you understand your options and make an informed buying decision.
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