Umbrella Insurance in New York

If you already have auto and home insurance policies, getting an umbrella insurance policy may be right for you. It adds to some of the coverage you get from those two policies, but it does it in a much more affordable way. If you're in New York and you want umbrella insurance, call us at Kinowski Agency Inc in Amsterdam or Johnstown to find out more.

More Liability Coverage

Umbrella insurance is a unique insurance type that adds to what you already have. When you have auto and home insurance policies, they each come with a layer of liability protection in case of an accident. However, that amount often isn't enough to pay for serious accidents. And, adding more liability coverage to both of these policies can be prohibitively expensive. It is a lower-cost way to get that extra liability coverage when you get an umbrella policy. Umbrella policies have very high payout amounts without costing much.

How Umbrella Policies Work

First, an accident happens. This can be with your vehicle or happen to a third party in your home. Then, the auto or home policy responds to the accidents and pays what it can. However, if there is more leftover once the home or auto policy has reached its maximum, this can leave a lot of money still owed. Then, your umbrella policy steps in and pays that overage up to its own, very high maximum amount. This ensures that you are far less likely to own anything after insurance policies have paid for the injured parties' medical bills and other expenses. This leaves you better protected against accidents of many types.

Get Umbrella Insurance

If you're in New York and interested in the extra protection that comes with umbrella insurance, give us a call today at Kinowski Agency Inc. in Amsterdam or Johnstown.

While our offices are located in Amsterdam, NY & Johnstown, NY, we serve our clients all across New York.