An umbrella insurance policy is one that is very cool but it is not very well known or popular. The fact is that people simply do not know what an umbrella insurance policy can cover and if it would be a great option for them and their specific needs. You do not want to get an insurance policy that you do not understand or one that you do not need. That is why it is very important to understand what it can cover. Use this guide from DePaulo Agency, serving Scotia, NY, to determine if you need an umbrella insurance policy.

• It covers the gap. One of the biggest things that it can cover is the gap between what your home and auto insurance policies can cover and what you actually need to be covered. If you have a home or a car that is valued beyond what your other policies will cover, then an umbrella insurance policy is the perfect solution to make sure that your home and car are completely covered.
• It provides liability insurance for you. If you are someone who likes to have parties at your home on a regular basis, you may have a need for additional liability coverage in case someone decides to sue you for something that happened at a party. Umbrella insurance can offer that for you so you are always covered.

Now that you know what an umbrella insurance policy can cover, it is time to determine if you actually need to have one in place. If you are still not sure, we can help you best determine if it is needed. Be sure to reach out to us here at DePaulo Agency, serving Scotia, NY, today to get started. We can even pull a free quote for you.