Umbrella Insurance in Iowa

Umbrella insurance is unlike other insurance policies. It works alongside two of your other insurance policies to raise the amount of protection you have. Accidents are a risk that can happen at home or in your vehicle, and umbrella insurance can help to protect you in both cases. If you're in Iowa and you need umbrella insurance, call us now at Heimgartner Insurance Inc. in Sioux City, IA.

Other Insurance Policies

An auto and a home policy are greatly needed if you have a house and a car. Umbrella insurance policies work with those two policies to strengthen them. Part of your home and auto policies is liability coverage. That means that if an accident were to happen in your home or vehicle, you might be held responsible for the medical bills that another party has because of the accident. Often, people have very little liability coverage when you look at the high cost of medical bills. Umbrella insurance raises the amount of liability coverage that you have for both of these policies.

Paying the Claims

When there are claims you are responsible for, your home or car insurance policy will pay for the medical bills that come in from the injured third party. However, your home or auto policy may not pay all of it. Each of these policies comes with maximum payouts, and they will only pay up to that amount even if the bills are higher. That's where your umbrella policy comes in. It has a much higher maximum payout, and it will pay what is left over after the first insurance policy. This helps to get far more of the bills paid so that you don't have to pay alone.

Get Your Umbrella Insurance in Iowa

If you aren't sure that you have enough liability insurance, it's time to call us at Heimgartner Insurance Inc. in Sioux City, IA to find out more about these policies and whether you should have one.