Andrich Insurance

What to do and who to contact in the event of a loss.

Your auto policy protects you against financial loss if you have an accident.  Almost every state requires you to buy a minimum amount of liability coverage. Chances are that you will need more liability insurance than the state requires because accidents cost more than the minimum limits. If you’re found legally responsible for bills that are more than your insurance covers, you will have to pay the difference out of your own pocket.   Your auto coverage should also protect you from uninsured or under insured motorists.

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.  Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.  It 's also important to understand the  repair and replacement costs.

If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgments against you and your attorney's fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That's what a personal umbrella liability policy provides.

An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, condo or auto policy.

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