Umbrella Insurance in California

If you are lucky, your current insurance policies, such as those that cover your home, auto, or boat – may provide you with all the coverage you need. Occasionally, though, if you find yourself subject to a lawsuit, you may be surprised to discover that your policy limits don’t even cover the judgments or attorney’s fees.

You may think you won’t ever be part of a lawsuit, but let’s be honest – we live in a society where lawsuits are filed without a second thought. And, it can happen to you.

Protect your family and your assets with the help of umbrella insurance.

Umbrella Insurance

Another common name for this insurance is excess liability coverage. It is rightly named since it is additional coverage – on top of those you already have. Everyone can benefit from an umbrella insurance policy.

Here’s how it works. You will have policies as normal, say for your home, boat, condo, or your auto. And, when you find yourself dealing with a lawsuit, there’s a good chance it will take the entire payout from your policy to fight in court – and then some. Rather than being forced to give up your financial assets, your umbrella insurance will kick in.

Since you reside in the greater Los Angeles area, then you are likely aware that these liability issues are quite common. What does this mean for you? It’s easy to be served with a lawsuit you didn’t expect. Thankfully, having an umbrella insurance policy can protect you.

What Umbrella Insurance Covers

Umbrella insurance will typically pick up where your other insurance runs out when it comes to:

• Personal injury
• Bodily injury
• Landlord liability
• Property damage
• Slander or libel

The experts at JT Insurance Services in Los Angeles, CA can explain umbrella insurance in more detail and help you find an insurance package that is customized just for you. Call our office today!