Guffey Insurance Services LLC offers Louisiana residents umbrella insurance policies you can add to any liability coverage policy. A type of secondary insurance, umbrella policies require that you own a primary policy before buying one. Umbrella coverage provides excess liability coverage that pays out when your primary policy exhausts its liability coverage.
Every type of primary policy has a maximum liability coverage. Once a claim exhausts the coverage maximum in the policy, you pay out of pocket for the rest of the settlement unless you own an umbrella policy. With an umbrella policy, as soon as the primary policy reaches its maximum payout, the umbrella kicks in to absorb the rest of the settlement costs.
Any policy you purchase from Louisiana's Guffey Insurance Services LLC that already includes liability coverage qualifies. That means your home insurance, condo, auto, boat, motorcycle, or RV insurance qualifies you for an umbrella policy.
For example, if you purchase auto and umbrella policies and then cause an accident that injures someone, both policies could pay out. The auto policy provides $70,000 in bodily injury coverage per accident. If four people incurred injuries and their hospital bills and rehabilitation costs totaled $150,000, the auto policy pays out the first $70,000 of the bills. The umbrella policy immediately kicks in the remaining $80,000. You pay nothing out of pocket.
Contact Guffey Insurance Services LLC, serving Kenner, LA, for the umbrella policy you need. For just a few dollars per month, you can nab a million-dollar policy that provides the liability cushion that so many people need.
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