Umbrella Insurance for Your Home and Auto Policies

If you have a home insurance policy and an auto policy, you may feel well protected against many of the risks you face. However, you might not have the coverage you need if there were to be a severe accident. These can cost an enormous amount, and your home and auto policy may not have enough liability coverage to pay for the damages. That’s why so many people choose to get an umbrella policy to add to their coverage. If you need an umbrella policy to make sure you’re better covered, call us at Melvin Gessner Insurance Agency in Wilis, TX.

More Liability Coverage

The liability coverage that you get with your home and auto policies is often too low to pay for an expensive accident. When you get umbrella insurance, it puts more liability coverage on both of these policies. Umbrella policies come with an enormous amount of coverage, and this makes up for the low coverage in the other two policies. This means that when a serious accident happens, and the bills are sky-high, they can still get paid by insurance instead of being paid from their own pockets. 


The main risk of not having umbrella insurance is that after a serious accident, your home or auto policy won’t be able to pay for the resulting bills. When this happens because you have only a small amount of liability coverage, it creates an overage after the home or auto policy has been paid and maxed out. This overage is what an umbrella policy would pay for you. This ensures that you won’t be left with a huge bill after your insurance maxes out. 

Get Protected With Umbrella Insurance 

When you need an umbrella policy, we’re here to help. Call us at Melvin Gessner Insurance Agency in Wilis, TX. 

Why Renters Insurance is Important

As a renter, you might think you don’t need insurance to protect your rental, but that’s a huge mistake. Just because you don’t own the building where you live doesn’t mean that it’s safe to not have insurance. 

Here at Miao Insurance Services, our team is dedicated to providing the best customer service possible. We understand the needs of renting in Pleasanton, CA and are dedicated to helping you determine the best policy possible. 

Renters Insurance Protects Your Personal Possessions

Do you have furniture or anything you couldn’t easily afford to repurchase? Fire, theft, and vandalism can destroy your belongings in an instant and is difficult to recover from emotionally and financially. If your belongings are damaged, let us worry about getting them replaced. Whether it’s furniture, hobby gear, or electronics, renters insurance will help protect your valuables.

Renters Insurance Protects You If You Lose The Usage Of Your Rental

Renters’ insurance covers a select range of hazards that could cause you to be unable to reside in your residence. In the event of a disaster, you’ll need a place to stay. With renters insurance, you’ll be able to stay in a hotel for the first few days or in a temporary rental unit. 

We Are Here To Help

At Miao Insurance Services, we understand the needs that can arise when renting in Pleasanton, CA. If a disaster strikes, let us be on your side and worry about the details. We’re here to help you and can help you learn more about renter’s policies today. We’d love to discuss your specific needs and help choose a policy that gives you the coverage you’ll need.

How Can I Make Sure My Umbrella Insurance Policy Is Effective

When looking for insurance, it’s important to ensure that you’re getting the best coverage possible. One type of policy you may want to consider is umbrella insurance. This type of policy can provide extra protection for you in the event that something happens. However, it’s important to make sure that your policy is effective.

Here is how you can ensure that your umbrella insurance policy provides the protection you need:

1. Make Sure You Have the Right Amount of Coverage

The first step to ensuring your umbrella policy is effective is ensuring you have the right amount of coverage. You’ll want to consider the value of your assets and how much coverage you need. If you don’t have enough coverage, you may find yourself in a situation where you’re unable to pay for damages. On the other hand, if you have too much coverage, you could be paying for protection that you don’t need. Work with our insurance agent at Melvin Gessner Insurance Agency in Willis, TX to determine the right amount of coverage for your needs.

2. Review Your Policy Regularly

Your needs can change over time, so it’s important to review your umbrella policy regularly. Make sure that you still have the right amount of coverage and that your policy covers the types of risks that you’re now facing. For example, if you’ve recently acquired a new asset, you’ll want to make sure that it’s properly covered. Reviewing your policy regularly will help you make sure that you’re always getting the protection you need.

3. Know What’s Covered

It’s also important to ensure you understand what’s covered by your umbrella policy. Many people are surprised to find out that their policy doesn’t cover certain types of risks. Make sure you’re aware of the limitations of your coverage so that you can be prepared in the event that something happens.

Contact Us Today

An umbrella insurance policy can provide important protection for you and your family. However, it’s important to make sure that your policy is effective. By following the tips above, you can help ensure that your policy provides the coverage you need. Willis, TX residents can contact Melvin Gessner Insurance Agency for more information about umbrella insurance. Our team is here to help you find the right policy for your needs.