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Umbrella Insurance

Disasters can be as expensive as they are unexpected. If you cause an auto accident or someone injures themselves on your property, you better hope you have enough insurance to cover their charges.

If you reach the limits of your home insurance or auto policy, what can you do?

An umbrella policy extends your insurance coverage beyond your normal plans. As part of your plan or as stand alone personal umbrella insurance, an umbrella policy kicks in when your other plans have reached their limits of coverage.

If you’re worried about an unexpected disaster quickly eating up your life’s savings, an umbrella insurance policy can save you. You can get more than a comprehensive policy—you can get peace of mind.

The reality of not having umbrella insurance is so much worse than the accident itself. Yes, you may be traumatized from an accident, but will you be able to pay for the damages? Serious accidents can keep haunting you long after they occur—and only an umbrella policy can cover you.

What is Umbrella Insurance?

Umbrella policy definition: A form of liability insurance that provides additional coverage beyond that of your current homeowners or auto insurance.

We at The Insurance Place are here to provide you with more than just information. We want to help you find personal umbrella liability insurance to protect your financial future. If you’re found at fault in a major accident, you may not be prepared for just how much a lawsuit can cost.

Most umbrella policies for homeowners insurance California and auto insurance are available in $1 million dollar increments. That’s a lot of coverage, considering the average umbrella insurance policy cost. With the right plan, you can protect yourself with a wide range of possible coverage:

  • Bodily injury liability – covers cost of damages to another person’s body (medical bills, liability claims)
  • Property damage liability – covers cost of damages to another person’s property (vehicles, other belongings)
  • Rental unit liability – protects you from liability as a landlord

 

You can afford to be choosy when it comes to the great coverage umbrella policies provide. We offer affordable umbrella insurance rates to help you prepare for any financial disaster. After learning your needs, we will find you plans tailored to provide just what you’re looking for. It is our goal to help you understand the ins and outs of your umbrella policy quote.

Is an Umbrella Insurance Policy Necessary?

Are umbrella policies worth it?

After all, you may think your vehicle insurance gives you enough coverage. However, if you find yourself responsible for a truly terrible accident, even your current plan may be insufficient.

Say you hit someone’s car, and he has sustained serious injuries. Your current policy only covers the initial amount—however, you still owe thousands of dollars more. How can you pay for the remaining amount? Unless you plan on taking money out of your own savings, you have to come up with the money somehow.

That’s where umbrella insurance kicks in. No matter the amount of umbrella policy cost, it will more than pay for itself. Your policy can also protect you from additional charges that can lead to a lawsuit:

  • Libel
  • Vandalism
  • Slander
  • Invasion of privacy

 

Protect Yourself and Your Future with an Umbrella Insurance Policy Quote

Getting sued is no fun. But getting taken to court can be financially traumatizing. It could even affect your future income gains.

Think of the ways insurance umbrella policy helps you. When an accident finds you liable, you will be responsible for court and defense fees. These can get exorbitant very quickly—you could face thousands and thousands of dollars in fines.

Contact us and keep more money in your pocket with umbrella insurance. Don’t go without a policy until it’s too late!

When we discussed our business with our old insurance agent, he didn’t know that when we referred to JAVA, we didn’t mean Columbian coffee. It is nice to do business with an insurance agent who understands the IT world and can best alert us on how to protect our business. We spend less time worrying about if our agent understands what our business is doing and how to cover it and more time concentrating on how to grow our business. Our business is dynamic and ever changing. The Insurance Place has been a strong consultant for our business.

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- Adam
ATV Insurance

Owning an all-terrain vehicle can be a lot of fun but accidents can happen too. Thankfully, ATV insurance can cover the cost of repairs or replacement of your ATV due to collision, theft and other mishaps.