When you have both auto and home insurance, you have suitable protection against several kinds of accidents, but do you have enough of it? It's possible to be insured but not have the protection you need against accidents. If you're in Arizona and you could use a boost to your insurance coverage, contact us today at The Insurance Team.
Both your home and auto policies each come with an amount of liability insurance in case of accidents in which someone is injured. The most important aspect of home insurance has to do with accidents that happen to people who don't live in the home. For auto insurance, it's accidents caused by your vehicle. In both cases, liability coverage comes with a stated cap. Once that maximum is met, everything left over is up to you to pay. However, if you have umbrella insurance, that policy will keep paying.
After an accident, either the home or the auto policy picks up as much of the medical bills as possible. However, once its cap is met, there may still be bills due. When this happens, the bills leftover are picked up by the umbrella policy. These policies come with extremely high payout caps, so you are unlikely to owe anything once these policies have paid those leftover bills. When you have umbrella insurance, you can avoid paying a lot of money in overages after your first policy has paid out.
If you're in Arizona and you could use an umbrella policy, give us a call at The Insurance Team to find out more about these helpful policies. It's insurance that can leave you much better protected, and its cost is low.
“I’ve known Steve for a long time and have always wanted to do business with him however, was loyal to my previous agent as she had all my policies and it just seemed like I never had time to look elsewhere and see not only what I could save in premiums but to make sure my coverage was appropriate. Wow!! did Steve do a great job! I was so undercovered that if anything happened, fire or car wreck I would have been totally screwed! Not anymore, now I have much better coverage and saved money too!! Thanks Steve and The Insurance Team! Highly recommended!!”
“I didn’t think that I could find a better rate on my homeowners and vehicle insurance than what I was paying! I had Steve run those quotes for me and I was shocked at the low rates he was able to get for me and my family! I’m so excited that I have a local representative that I can call up and meet in person if needed. I highly recommend you give my friend Steve a call for any of your insurance needs. “
“The team is very responsive. Competitive pricing on home owners and auto insurance with SAFECO. Strongly recommend this agency.”
“I called The Insurance Team because of a recommendation I received from a local fb group I am in. Within about an hour of speaking with them I had quotes for both home and auto insurance, saving us money and getting better coverage. He was so easy to work with and extremely friendly and responsive. I would recommend The Insurance Team to anyone!”