Add an Extra Layer of Protection
An extra layer of liability insurance can give you an extra level of comfort. Members Insurance Advisors*, a wholly owned subsidiary of Delta Community Credit Union, can help you with an Umbrella Insurance policy. These policies are sold in increments of one million dollars and provides you more protection over what other insurance policies cover if an accident were to happen.
So why is it called "Umbrella"? It’s because it covers liability claims from all policies underneath it, such as auto and homeowners policies. If you were to exhaust the liability limits on your home, auto or other policies, Umbrella Insurance would pick up where they left off.
Let's say you have an auto insurance policy with a liability limit of $500,000 and a homeowners policy with a limit of $300,000. With a million-dollar umbrella, your limits become $1,500,000 on the auto policy and $1,300,000 for your homeowners insurance.
Not only does it increase your overall coverage, it also covers claims such as false arrest, libel, slander and liability for any rental units you might own. This type of protection is typically excluded with other types of policies.
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*Members Insurance Advisors is a wholly owned subsidiary of Delta Community Credit Union. Insurance products are not deposits of Delta Community Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Delta Community Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Delta Community Credit Union need not be purchased from Members Insurance Advisors and may be purchased from an agent or an insurance company of the Member’s choice. Business conducted with Members Insurance Advisors is separate and distinct from any business conducted with Delta Community Credit Union.