California Umbrella Insurance Coverage

Umbrella Insurance

Umbrella Insurance

In this world, no one is perfect and nor is the standard of liability coverage. You cannot avoid financial loss if you cause harm to an individual. It does not matter whether it is an accident or not; you will be required to pay up if you injure another person or damage someone else’s property and are found at fault in California.

If you have a standard liability coverage that will meet the costs of the damage, you need not worry. There are some instances, however, where you might find yourself in a tricky situation when things run out of hand. Sometimes there are instances when the court might award the affected more money than what is covered by your standard liability policy. If you find yourself in such a situation, you will have to look for other ways in which you are going to have to raise the required money. To avoid such scenarios, you might consider purchasing the Los Gatos Insurance Services in California.

How Does The Umbrella Policy Work?

For instance, let's say you have been involved in an accident, that might have been your fault, that caused severe damage on the other party, who can be the driver of the other car or the passengers. Your regular auto insurance policy has a limit of up to $300,000. If the case ends ups in court and the judge rules that the compensation is above the threshold of your policy, what would you do? If the judge rules on compensation of $600,000, where do you get the remaining $300,000? This is where the umbrella cover comes in. The personal umbrella coverage will help you pay for the additional costs.

What Does The Umbrella Policy Cover?

The personal Umbrella policy is designed to cover a wide range of devastating events. The umbrella coverage comes into play when the judgment is more than the standard policy. We cover the following:

  • Lawsuits
  • Bodily injuries
  • Property damage
  • Landlord liability

Our agents are ready to help you get started on a policy. Contact Los Gatos Insurance Services today for a personal umbrella cover in California.

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