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Alta Vista Insurance Agency

2585 Pio Pico Dr, Suite 100
Carlsbad, CA 92008

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What’s Under the Umbrella?

What’s Under the Umbrella? ☂

Of course, you don’t need to insure your umbrella.

But umbrella insurance will provide another protective layer over your personal assets. Not only that, it may even cover some things that car and homeowners insurance policies don’t protect you against. If you’ve got a lot to lose, this kind of coverage may be the most affordable way to protect yourself.

    1. Extra Liability Insurance
      Liability limits on typical home and auto policies are fairly modest when compared to the value of new homes and cars. Clients can purchase umbrella insurance in increments for the right amount of extra protection at the right price.
    1. Legal Defense 
      You have a legal right to defend yourself against claims of injury or loss, but lawyers are expensive. Not only will umbrella insurance help you pay claims, it can help pay for legal defense.
  1. Extra Coverage 
    Some umbrella insurance policies can get modified to cover more unusual risks that are not typically mentioned in an ordinary policy like personal injury or wrongful eviction.

What You Need to Know

When considering an umbrella, it’s important to understand how much coverage you currently have. In order to qualify for an umbrella policy, your auto insurance liability limits need to be a minimum of $250,000 per individual/$500,000 per occurrence. If you own or rent a property, your premises liability needs to be $500,000.

Investment properties, watercrafts, recreational vehicles and even a structure like a pool are all additional exposures If you have assets like these you should consider purchasing a personal liability umbrella.

Your house, retirement fund, and other assets could be vulnerable to a liability claim.

Contact us at your earliest convenience to discuss the reasons you need umbrella insurance.

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