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California Umbrella Insurance Coverage

Umbrella Insurance

Umbrella Insurance

Harbor West Insurance Agency, Inc. in California is an ideal place to find out about extra insurance that may cover you, your family, or your belongings for unexpected events or occurrences past your standard insurance limits. Umbrella insurance is an extra liability insurance policy that cares for your assets and liability.

What is Umbrella Insurance?

This is an insurance policy that is added to an existing homeowners, car, or boat insurance policy. When the limit on your other policies has been used up, the umbrella policy will kick in to provide more protection.

Do I Need Umbrella Insurance in California?

In California, you may want umbrella insurance in case of:

  • Significant property damage
  • Serious bodily injury
  • Landlord liability
  • Libel or slander
  • Malicious prosecution

What Does Umbrella Insurance Cover in California?

Essentially, if you or someone in your home causes harm to another person's property or person, umbrella insurance will cover:

  • Legal fees to defend the person
  • Some of a settlement/judgment exceeding the amounts of your other policies

What Happens if I Don't Have Umbrella Insurance in California?

If you don't have umbrella insurance and the amount you owe goes beyond your policy limits, you will have to pay any additional costs directly from your own pocket, as well as any attorney and court fees. If you cannot pay, you may have a lien placed on your home, wages garnished, or savings or other assets frozen until you can pay.

This can be scary to think about, but an extra insurance policy can ease your worries and ensure that you, your family, and your assets stay safe, as well as your income and savings. It's certainly worth looking into!

Let Harbor West Insurance Agency, Inc. of California help you find the best umbrella insurance policy for you and make sure you're covered - just in case. Today is the day to add additional insurance to the protection you already have and keep it all safe and sound. Contact our agents to get a quote and have your questions answered.

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