If you’re a homeowner, you probably know how important it is to have a good home insurance policy. You may have also heard that umbrella insurance can provide some of the same protections as home insurance.

Understanding how these two types of insurance differ can help you decide if an umbrella policy is right for you. The professionals at Spring Grove Insurance, serving Spring Grove, IL, can help. Our staff are here to answer your questions and help you choose the right type of insurance for your needs and budget. 

What Is Umbrella Insurance?

Umbrella insurance provides extended liability coverage. If you have home insurance or auto insurance, an umbrella can extend the liability coverage already provided by your existing policy.

How Is Umbrella Insurance Different From Home Insurance?

Umbrella insurance doesn’t pay to repair or replace your belongings or structures the way that home insurance does. An umbrella provides additional liability protection if you are sued. If you have many assets that are not fully covered by the liability coverage in your home insurance, an umbrella can provide additional coverage to protect your assets. 

Who Needs Umbrella Insurance?

People who buy umbrella insurance are often those with many assets or heightened liability exposure. Do you feel like you are at risk and need additional liability protection? For example, maybe you have a pool or trampoline that could injure a guest. If this is the case, an umbrella may be right for you.

To learn more about how an umbrella can help you, call the professionals at Spring Grove Insurance, serving Spring Grove, IL. We’re here to answer your questions and help you find insurance that meets your needs.