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Citywide United Insurance Services

1000 Broadway St, El Centro, CA 92243

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Umbrella Insurance in California

An umbrella insurance policy is a valuable insurance product available in the California market to provide extra coverage when your primary policy has run out of limits. It is a policy that many consumers are not aware exists and an important one to be aware of when picking an insurance solution.

Umbrella insurance is a liability policy that sits above your primary home, auto, and boat coverage options that will kick in to protect you in the event of a major liability claim. In addition, it may kick in and provide coverage in certain areas that are excluded by your primary policies.

Many people wonder whether it is really necessary to have an umbrella policy; however, if you have substantial assets you want to protect, you should speak to an insurance agent at Citywide United Insurance Services in El Centro, CA to discuss an umbrella policy option. Here are a few typical examples when an umbrella policy will help protect your assets.

  • Property Damage: If you are in an auto accident that causes significant damage to a home or business, your auto limits will quickly be exhausted, and an umbrella policy can drop down to provide coverage.
  • Bodily Injury: There are certain injuries that can happen to guests in your home such as a dog bite or a serious fall off a balcony that will quickly wipe out your homeowner policy limits.
  • Landlord Liability: If you are a landlord, you certainly want to consider an umbrella policy in the case that you end up in a costly lawsuit with a tenant.
  • Libel: An umbrella policy will also step in to protect you if you are sued as a result of something you said about another party.

If you are interested in learning more about umbrella insurance or other lines of coverage, please reach out to us at Citywide United Insurance Services in El Centro, CA to set up an appointment. We proudly serve the residents of California, and we look forward to hearing from you.

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