Umbrella insurance is one of the least understood types of insurance. It is not like most other types of insurance, it can not stand alone. It is an excess liability and it can only be used with another policy that has liability insurance. According to experts, anyone who can earn a livelihood should have umbrella insurance. Having a relationship with an insurance agency helps when you wonder "who should carry umbrella insurance". The Friant Insurance Agency in Temecula, CA we believe in providing the best combination of price and protection.
What does liability protect you from? Liability insurance protects you when someone is injured and you are held responsible. It can be at your home, at your business, with your vehicle, your furry friend or an immediate family member. If you are found responsible you could be required to pay medical expenses, a judgment against you, and legal fees.
An umbrella policy is added to the liability on your renters, condo, home, auto, or commercial insurance. When you reach the limit on your primary policy the umbrella policy will kick in. If you have never checked your liability limits on your policies, this might be a good time to do that. Think about basic auto liability for personal property. it is usually between 10-25 thousand dollars. Consider the price of a new car, you would be hard-pressed to find one that was $10,000. If you don’t have umbrella insurance, the amount above your coverage is on you to pay out of pocket or future wages.
At Friant Insurance Agency in Temecula, CA our knowledgable and friendly staff are here to help you get the right coverage. As an independent agency, we offer umbrella policies from multiple carriers. we look forward to seeing you in our office or talking to you on the phone to discuss your needs.