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How Families Can Benefit From Umbrella Insurance

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.

4 Reasons You Need Umbrella Insurance

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.

Three common questions about umbrella insurance

Umbrella insurance is an important type of coverage to have if you want to protect your assets. You can get umbrella insurance from Land Home Insurance Services. 

If you are in the market for umbrella insurance, you might have some questions about this type of insurance.

The following are three common questions about umbrella insurance:

What types of expenses will umbrella insurance cover?

Umbrella insurance is a type of insurance that covers liability expenses. While this type of insurance will cover costs for you if you face a lawsuit, umbrella insurance does not cover damages to your personal belongings.

Umbrella insurance can cover expenses you face due to a car accident, for example. Umbrella insurance can also cover you for injuries that guests in your home experience. 

How do you qualify for an umbrella insurance policy?

You need to have another type of insurance policy to qualify for an umbrella insurance policy. Umbrella insurance is designed to add to the coverage you already get from your car insurance or home insurance policy. 

You need to make sure that you have a home or auto insurance policy that meets certain maximum coverage requirements in order to qualify for an umbrella insurance policy.  

How much umbrella insurance should you buy?

In general, it is recommended that policyholders carry enough umbrella insurance coverage to cover the full value of their net worth. This way, all of a consumer’s assets are protected. 

Give Us A Call

Let us help you meet your umbrella insurance needs at Land Home Insurance Services. If you’d like to explore our umbrella insurance offerings, give us a call today. Get in touch with us to get a quote on an umbrella insurance policy. 

I Have a Creative Home-based Business. Do I Need Umbrella Insurance?

As a wholly-owned subsidiary of the national residential mortgage lender Land Home Financial Services, Inc., our company, Land Home Insurance Services, serves 14 midwest and western states. We provide a full range of insurance types, including umbrella policies. Umbrella insurance — also called personal liability insurance –protects the excess value of your assets, such as your home and belongings, stocks, bonds, savings, and future income, against lawsuits. 

Commercial umbrella insurance, on the other hand, protects your commercial assets, such as buildings and equipment, inventory, reputation, and brand.

Consult with us today for an assessment of your umbrella insurance needs.

Why Would I Need Umbrella Insurance for My Home-based Business?

If you do product reviews, post photos or music, make art pieces, clothing, accessories, jewelry, or other items requiring creativity, someone could accuse you of stealing their ideas or slandering or libeling their business. The resulting lawsuit could cripple you financially. In addition, awards or settlements above and beyond your personal or commercial liability limits could result in you surrendering your home or other assets to pay your fines, especially punitive damages.

Doesn’t My LLC Protect My Assets?

An LLC creates a legal entity in its own right, but in some situations, the owner can still find themselves personally liable. Situations include:

  • False Imprisonment on suspicion of shoplifting from your home office,
  • Negligent Injury while driving your vehicle for business
  • Lying to creditors about your assets
  • Making personal loan guarantees for your business
  • Contracts signed in your name instead of your DBA name

Get Umbrella Insurance Today

Call Land Home Insurance Services today for an evaluation of your creative home-based business liability risks. Let us protect you from frivolous lawsuits and excessive damage awards that can bankrupt you and leave your business in shambles.

Does Umbrella Insurance Cover Slander?

Umbrella insurance through Land Home Insurance Services in Concord, CA offers liability protection to cover expenses in a variety of situations, including if you are being sued for alleged slander. This means you have protection against legal action because of something you said or something you wrote.

To many, the concept may seem quite far-fetched. Imagine you post an unfavorable comment about someone on social media or write a negative review about a business, as a result, you could be sued. In this type of situation, you will be glad you have an umbrella insurance policy in place.

What is Personal Umbrella Insurance?

Personal umbrella insurance in Concord, CA gives you an extra layer of liability protection. It is designed to help with the cost of defending you in court against claims as well as pay for any legal settlements that are made against you.

Typically, umbrella insurance will kick in once you have reached the limits of liability on an underlying insurance policy, like auto insurance or homeowners’ insurance. For example, if someone sues you after being injured while on your property, your umbrella policy will cover any costs that exceed the liability limits on your homeowners’ policy if you are found legally responsible. In cases, such as a slander lawsuit, an umbrella insurance policy can protect you in situations that may not otherwise be covered by the types of insurance policies that you carry.

Types of Defamation Not Covered

While you may not have to pay out of pocket for a legal judgment of defamation when you have an umbrella insurance policy, some scenarios may not be covered. For example, if your slanderous statement was related to a business that is owned by you. You may not be covered if your policy was not active at the time the slander occurred. You make a false statement intentionally that defames someone.

If you have additional questions about your umbrella insurance policy, contact Land Home Insurance Services. Give us a call today.

What is Umbrella Insurance?

There are many types of insurance available, and what they cover varies greatly. A common type of insurance available is umbrella insurance. Umbrella insurance is excess liability insurance that may be purchased in your personal capacity or for your business. Land Home Insurance Services serving the area of Concord, CA would like to tell you a little bit more about this type of insurance.

Legal liability can cause enormous financial loss for the person or business responsible. That is why liability coverage is such a vital aspect of almost any policy. However, occasionally you may face an extraordinary situation when your standard liability insurance policies are not enough. That is where umbrella insurance comes in. It is not a primary policy. In the hierarchy of insurances, it sits above or over your standard policies. It is there to supplement these policies once they are exhausted, provided that the conditions are met for it to kick in. 

In your personal capacity, umbrella insurance provides excess liability coverage, above the provisions set out by your primary policies. There are options for home, automobile, or even watercraft insurance.

Most types of commercial liability policies in California can be covered by a commercial umbrella policy. Commercial umbrella insurance may also be used to provide cover for gaps in your basic commercial liability policies, but they usually have a SIR (self-insured retention) amount that is payable before it kicks in. SIR is like a deductible.

It is worthwhile assessing your personal and commercial needs to determine whether you are sufficiently covered for any legal liability judgments. Do not hesitate! If you would like to know more, contact Land Home Insurance Services serving Concord, CA today and speak to them about umbrella insurance. 

Who needs to get umbrella insurance in California?

Like those in other areas, people who live in the Concord, CA area need to have a good personal insurance plan in place. One important form of insurance coverage that people should get here is umbrella insurance. This is a unique form of protection that offers personal liability. There are several situations when someone here should get this protection. 

People That Want to Have More Liability Coverage

A common scenario when people want to have umbrella insurance is when they want to receive more liability coverage. People that are all over the state of California could find that their insurance coverage through home or auto policies is helpful but may not be enough to cover damages caused by a major accident. To ensure that you have the coverage you need, you should get an umbrella insurance policy as it will provide coverage on top of the other policies.

People with Unique Liability Risks

Most people that are in this area will have liability coverage through their existing insurance plan. However, some people have unique liability risks that make them more prone to liability claims outside of their base policies. If you get an umbrella insurance plan, the coverage will be vast and protect against situations that are harder to predict and insure against. This can offer comfort to anyone that gets this coverage. 

There are a lot of situations when someone would benefit by getting umbrella coverage in Concord, CA. If you are going to shop for this insurance, you should call Land Home Insurance Services. The insurance professionals with Land Home Insurance Services know the value that this coverage provides. We can offer you great support when it comes to choosing an umbrella policy.

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