Umbrella Insurance

California Personal Umbrella Insurance is designed to give one additional liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies.

Liability insurance is the portion of a homeowners or auto policy that pays for expenses for injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person.

The California Personal Umbrella nsurance  policy, depending on the insurance company, one can add an additional $1 to $5 million in liability protection. This protection is designed to cover the insured when the liability on other current policies has been exhausted.

The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical expenses for the injured and the legal fees of the negligent person, the standard liability in one’s homeowners or auto policy is often not enough. Almost every state has financial responsibility laws that will hold drivers accountable for bodily injury and property damage resulting from car accidents and the at fault driver could be sued for the damage. Personal assets from the at fault driver could be seized resulting from a lawsuit. Similar laws are also in force for home and watercraft owners.

There is good news. A California personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains.

Umbrella Insurance Will Cover

  • Injury, Injury Treatment and Funeral Costs
  • Property Damage of Others
  • Libel, Slander and Defamation of Character Other Personal Injury Attacks 
  • Defense Cost 
  • Property Damage Suffered By Tenant If You Are Land Lord 
  • Coverage for Non Business Around the World

Umbrella Insurance Will Not Cover

  • Intentional Criminal Acts
  • Damages  Caused BY Your Business
  • Damage Caused By Recreational Vehicles
  • Your Injuries

Personal Umbrella Best Kept Secret in Insurance

The personal umbrella is one of the best kept insurance secrets on the market. The reason I say this anyone with any type of material means needs to have a personal umbrella policy.  This offers the ebst abng for your buck on the market. Insurance is designed to insulate you from risks and to help protect the assets that you have worked so hard to acquire.  The cost for $1M in liability coverage gained form this policy equates to about a dollar a day or roughly a cup of gourmet coffee. The insurance amount of insurance purchased versus the cost really create value to the insured. We are here to help you , ConXis is happy to consult with you and determine if you need an umbrella policy is appropriate for you.

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