Umbrella Insurance in California

Sometimes your primary homeowners, auto or boat insurance may not provide you with adequate coverage. If you are sued in California, these policies will only pay up to the policy limits for the legal judgments against you alongside the attorney's fees.

However, in this litigious society where accidents are inevitable, you may need to add extra coverage to protect both your financial assets and your family with umbrella insurance.

What is umbrella insurance?

Umbrella insurance, also known as excess liability coverage, provides extra coverage on top of your standard home or condo insurance. Individuals with massive properties and assets are encouraged to buy the policy. At JT Insurance Services, we advise all our insurance holders to purchase the policy as it covers for additional claims like slander and libel

What does umbrella insurance cover?

Liability issues in Los Angeles, CA are quite common, and it is not surprising to be presented with a lawsuit that you do not expect. Umbrella insurance protects you from such incidences and if you exceed the liability coverage in an accident.

It is worth noting that umbrella insurance only kicks in when the standard limit of auto, home, boat, or condo insurance is reached. That means that you need to have these basic policies for your umbrella insurance to take effect.

Umbrella insurance typically extends coverage for liability limits like:

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

Note that it does not include business losses, written or oral contracts, personal belongings, and existing coverages. When you pay us a visit at JT Insurance Services, serving the Greater Los Angeles area we provide you with all the needed information about umbrella insurance to help choose your individual package.

For quotes, new policy discussions or any insurance need, call or visit our offices in California one of these days and experience a touch of top-notch customer service.