Depending on the reason you are bedridden and not able to go to work, Umbrella insurance in Ada, Oklahoma may be able to help. Umbrella insurance is a policy that provides liability coverage after the limits for your other insurance policies have been met. If you were involved in an accident that has exhausted the liability limits on your car or homeowner’s insurance, your Umbrella policy may be able to help out.
Of course, all policies are different and you will need to talk with an independent agent in Sulphur or Ada, OK to determine what will be covered. If you do not have Umbrella insurance coverage, you may want to purchase a plan to be better prepared for the future. Usually, Umbrella insurance plans in Oklahoma are inexpensive and just give homeowners extra peace of mind. Consider what would happen if your deck fell over while you were giving a large party at your home. You could be sued for thousands of dollars over what your current homeowner’s policy will payout. With Umbrella insurance, you could have up to $1,000,000 of extra protection.
When talking with your independent agent, remember to compare quotes to find the best rates for Umbrella coverage. When you work with independent companies, you are usually able to find the best deal and professional agents can answer all of your questions. So if you are wondering if your Umbrella insurance will cover you if you are bedridden, or if you are just wondering what exactly Umbrella insurance covers, contact your independent agent today.