Umbrella insurance sounds like a big protector for the policyholder. However, this form of insurance is a little more nuanced than that. With umbrella insurance, you're essentially going above and beyond the maximum limits of a general policy just in case you face a major accusation down the line.
If you live in Concord, CA, you can be held liable for any number of reasons. Perhaps you own a property where your mailman slips and falls due to a poorly maintained walkway. If the mailman has serious injuries, your normal policy may not cover the injuries he sustained. That's when umbrella insurance will kick in — when your maximum limits are reached on a regular policy.
Land Home Insurance Services helps people in the Golden State find policies that serve as a safety net regardless of what happens. Umbrella insurance is most often associated with professionals in power because they're more likely to be targeted by customers, employees, and vendors for lawsuits. Even a good commercial insurance policy may only cover part of a court case, especially if that court case is drawn out for months. If you want to keep your livelihood and assets intact, this can be the policy that allows you to keep fighting. It can also make it possible to settle a case if you so choose.
If you're interested in obtaining a policy in California, Land Home Insurance Services can help. Our staff is here to help you work through the clauses and terms of your current coverage, so you can determine whether you're comfortable with your level of protection. If you wish to take extra precautions, we'll help you find an umbrella policy that will give you the peace of mind and security you crave in Concord, CA. Give us a call to tell us your story and we'll help you decide if umbrella insurance is worthwhile for you.
