Umbrella Insurance in North Carolina

When your home, auto, and other insurance policies are not enough, umbrella insurance can provide a little extra protection. If you need extra liability for your North Carolina lifestyle, you need to contact Holmes Insurance Services in Youngsville, NC.

What Is Umbrella Insurance?

For many people, home and auto insurance are the only familiar policies. Umbrella insurance is interesting in this sense because it almost acts as an insurance policy for your insurance policy. Normally, your insurance will cover a certain amount of damages or medical bills when you are responsible. Umbrella coverage provides an additional limit of liability coverage when the liability limit on your policies isn’t enough. If your North Carolina auto insurance doesn't pay for an accident, an umbrella insurance policy can help.

Liability Protection

Umbrella insurance is designed to protect you from paying out of pocket for liability costs, not damage to your own home or car. In addition to having the auto insurance you're required to carry in North Carolina, you'll also have an additional dollar amount of coverage that can help cover damages that go beyond your limits in an accident or incident. The same goes for liability cases where somebody is injured at your home. It is important to have extended liability if your net worth is greater than the limits on your underlying policies.

Do I Need Umbrella Insurance?

In a perfect world, your insurance policy would cover you no matter what. The truth is, some accidents and injuries are worse than others, so insurance claims can span a wide range. Not everyone needs an umbrella policy, though. If you have substantially assets or net worth, give Holmes Insurance a call today to determine your liability needs.

The last thing you want is to file an insurance claim and pay liability costs out of pocket. The good news is that you don't have to. If you need umbrella insurance to supplement your insurance policies, call an agent at Holmes Insurance Services in Youngsville, NC to get a free quote today.