Having enough liability insurance is one of the best ways that you can protect your future. In a litigious society, we all need enough liability coverage. You probably have liability coverage through your home and auto insurance policies, but the chances are that it isn't enough. If you live in Colorado, North Dakota, or Minnesota, Integrity First Insurance can serve your insurance needs. We have offices in Englewood, CO and Fargo, ND, so that we can give you a convenient place to talk to an agent about your insurance needs.
Umbrella insurance coverage isn't a primary insurance policy. Instead, it adds to what you already have. As a part of your home and auto insurance policies, there is liability insurance included. This is what gets boosted by umbrella insurance. Both the home and auto policies will stay at their low liability coverages, but the umbrella policy picks up the slack. Once an expensive accident has happened, the home or auto policy, depending on the incident, pays for it up to the maximum amount of your coverage. Once that has been maxed out, the umbrella policy kicks in and pays up to its considerably larger maximum.
Not only is this method of coverage less expensive than raising each of the individual insurance policies, but it also gives great peace of mind to the insured. The policy will generally have a large maximum, and this lets you relax in knowing that if the worst should happen in your home or vehicle, you're covered for it. You don't have to worry about expensive lawsuits or having to pay out of pocket.
In Colorado, North Dakota, and Minnesota, you can call us and make an appointment with an insurance agent to let you know more about how umbrella insurance policies can help you. We have Integrity First Insurance offices in Englewood, CO and Fargo, ND for your convenience.
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