Does Umbrella Insurance Cover Natural Disasters?

The Temecula, CA city government has long encouraged residents to prepare for disasters, and a key part of that preparation is ensuring your home and belongings are protected by the right insurance policy. A standard home insurance policy, paired with earthquake coverage, is a good starting point, but you may need additional types of insurance to protect your valuables fully.

What About Umbrella Insurance?

Umbrella insurance is an excellent option for increasing your liability coverage limits. It provides compensation for medical bills, legal fees, settlements, and judgments. Additionally, it may cover liability-related incidents that your regular home insurance policy does not. However, it’s important to note that umbrella insurance typically does not cover property damage.

What Are the Options?

If your home is worth more than $1 million, high-value home insurance may be the best choice. This type of policy covers valuable property and may even allow you to choose between rebuilding your house or taking a cash payout. For specific valuable items, such as collectibles, a collectibles insurance policy can provide tailored coverage. If you own personal vehicles, a comprehensive car insurance policy is essential. Additionally, if you run a business from home and store business inventory or assets in your house, you’ll need commercial coverage, as home insurance only covers personal belongings.

Call Friant Insurance Agency for More Information

Friant Insurance Agency provides insurance policies, policy bundles, and expert advice to residents in and around Temecula, CA. We can help you evaluate the pros and cons of various policies, compare options, and select the insurance coverage that best meets your needs. Contact us today to learn more or to request quotes for specific policies.