At Kingston Insurance Agency LLC, we want our clients to understand their insurance and how it works. When you read a policy document\u00a0that refers to umbrella insurance as secondary insurance, you might wonder what that means.<\/p>\n
A primary insurance policy covers a piece of property with multiple coverages, such as structural, personal property, and liability in a home or RV policy. A secondary policy offers added coverage of one type in the primary policy that enhances its coverage. Umbrella, a secondary liability policy, adds to the individual\u2019s or business\u2019s liability coverage, so when the primary policy pays out fully, the umbrella policy pays any remaining costs up to its policy limit.<\/p>\n
Any policy that includes a liability component can serve as your primary policy to qualify a policyholder for umbrella policies. You can add umbrella coverage to any of the following primary insurance policies:<\/p>\n
Umbrella only adds more liability coverage.<\/p>\n
Even if you maximize the liability coverage on the primary policy, it may not offer enough to cover the settlement for an accident for which authorities found you at fault. With a single night\u2019s hospital stay costing $8,000 on average, an auto accident or a pool accident can cause high medical bills that you must pay. A court may award the injured a<\/p>\n
judgment for pain and suffering, which you also must pay. The umbrella insurance ensures you don\u2019t have to pay out of pocket.<\/p>\n
Contact Kingston Insurance Agency LLC, serving the area with the insurance it needs. Let us help you add umbrella insurance to your primary policies to improve your financial security. Call or email us today.<\/p>\n","protected":false},"excerpt":{"rendered":"
At Kingston Insurance Agency LLC, we want our clients to understand their insurance and how it works. When you read a policy document\u00a0that refers to umbrella insurance as secondary insurance, you might wonder what that means. Primary vs. Secondary A primary insurance policy covers a piece of property with multiple coverages, such as structural, personal […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[13],"class_list":["post-58","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-kingston-insurance-agency-llc"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t