If you’ve been looking at insurance policies to protect your family and financial security, you may have come across the term “umbrella” insurance. These insurance policies expand coverage in specific ways and can significantly reduce risks. They are often quite affordable, especially in terms of how much protection they can provide. If you’re looking for an insurance agency serving Greater San Francisco and Concord, CA, contact Land Home Insurance Services at your earliest convenience to discuss umbrella policies.

A Closer Look at Umbrella Insurance Policies

Just as an umbrella protects you from rain and bad weather, an umbrella insurance policy provides protection from various events. Umbrella insurance policies are typically designed to extend coverage. This may include increasing payout limits for events or covering incidents not currently covered under a given policy.

For example, let’s say you’re a dog owner. If your dog bites someone on or off your property, you could face a civil suit to pay for medical bills, pain and suffering, and whatever else. Your regular insurance policy may cover these costs but may also be uncovered. Further, maybe only certain breeds of dogs are covered, or only incidents on your private property. The total coverage amount might be low, as well. With umbrella insurance, you may be able to extend coverage to increase limits, reduce deductibles, expand coverage to off-property incidents or specific breeds, and more.

Umbrella insurance can be used to cover many other things. With healthcare costs rising, you might take out a policy to provide additional coverage for medical expenses stemming from personal injuries on your property or healthcare bills resulting from car accidents, for example. If you live in or near Silicon Valley and San Francisco and are looking for an insurance agent serving Concord, CA, contact Land Home Insurance Services. We’d be glad to discuss umbrella insurance options with you and your family.

When you have the right insurance, you know you’re more fully protected from some of the problems that could come your way in life. If you’re looking for umbrella insurance, Land Home Insurance Services can help you find the right policy for your needs.

Here are four ways this type of insurance can keep you covered:

1. Protect Your Family

Keeping your family safe is important, and when you want to protect your family as fully as possible, you need a policy that will cover even big claims that exceed the limits of your other insurance policies. That will help avoid big changes to your family’s quality of life.

2. Reduce the Risk of Loss

You don’t want to lose what you’ve worked so hard to build and create in life. An umbrella policy will reduce your loss risk because it steps in after the limits of other policies have been reached. This can stop you from losing assets to cover a claim.

3. Experience Peace of Mind

More peace of mind matters, and it can sometimes be hard to get in life. With good umbrella coverage, though, you’ll have increased security and feel more confident in your coverage, so you can worry less.

4. Adapt to Changing Situations

When your situation changes, you can adjust your policy to increase or decrease coverage so you’re staying protected throughout different phases of your life. That gives you options to stay on top of any concerns you have.

Consult With Us

Looking to find a great umbrella insurance policy? Reach out to us at Land Home Insurance Services today. Our trusted and dedicated agents can help you choose the policy that fits your current needs, so you can put worry behind you.