Umbrella Insurance in California

One way to think about umbrella insurance in Vista, CA is that it is a fail-safe for your assets and savings. If you are sued for damages that exceed the liability limits on home and auto insurance, then an umbrella policy kicks in and helps pay the additional amount you owe. Umbrella insurance can be similar to excess liability insurance, but it has differences. Umbrella coverage can give you more coverage for things not included in your base policies, such as lawsuits for libel or slander.

How Does Umbrella Insurance Work in California?

The best way to understand how umbrella insurance works is with a real-life example. If you get into an accident and the driver sues for injuries and damages, you could be on the hook for $500,000, but if your auto liability coverage only covers $300,000, then this means you still owe $200,000. With umbrella insurance, you wouldn’t have to pay for the difference, and the policy will cover what you owe, along with any legal fees for the lawsuit.

What Does Umbrella Insurance Cover in California?

Umbrella insurance in Vista, CA covers you and members of the household against lawsuits that involve damage to another’s property, personal injury to others, and other claims, such as false imprisonment and defamation, depending on your policy. In addition to paying out damages that are over your liability limits, you can also get coverage for legal costs. It’s important to note that you must have certain policies already in place, such as home and auto, before you can get umbrella coverage. Even though umbrella coverage does provide some more broad coverage, there are some things it won’t cover. Always check with an agent at Alta Vista Insurance Agency to see what your specific policy includes. For example, umbrella insurance won’t cover your property damage or injuries, or any damages associated with your business, unless you have a specified commercial insurance policy. Boats may also not be covered depending on your policy.

Contact Alta Vista Insurance Agency to get a quote on umbrella insurance.

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