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Umbrella Insurance: FAQs

Umbrella insurance remains one of the most underestimated types of insurance. However, in reality, it is one of the most beneficial insurances. The mission of umbrella insurance is to kick in and cover a policyholder after they have exhausted the limits of other policies they have. If you are thinking about getting an umbrella insurance policy, look through the answers to the most common questions first. 

1. What is exactly covered by umbrella insurance?

Umbrella insurance covers various problems, including property damage to others, body injury to others, legal costs in case of a lawsuit, and others. 

2. Is umbrella insurance expensive?

No, umbrella insurance is one of the most affordable types of insurance. For example, a policy with a $1,000,000 coverage may cost no more than $500 per year. It is around 80 cents a day. In other words, you can buy yourself peace of mind for only a few cents daily. 

3. Will an umbrella policy cover all family members?

It may extend to other family members, including a spouse and children. However, certain exclusions may apply. It is important to read the policy first and ask an insurance agent or insurance company your questions before signing the agreement. 

Umbrella insurance is an excellent tool for getting additional protection if something happens. If you are considering getting insurance in Santa Clarita, CA, QuoteBroker Insurance Services is the local company that will gladly help you find the policy you need and live. If you have any questions, feel free to reach out to us. You can give us a call or visit our website for more information. 

Get More Liability Protection With Umbrella Insurance

Do you have all of the liability coverage that you need? Chances are that you don’t. Many people get the minimum amount of liability coverage in their home and auto policies because it can be so expensive to add more to both policies. However, there’s another way to add more liability coverage to these policies. You can do that with an umbrella insurance policy.

To get one of these policies for your own protection, call us at QuoteBroker Insurance Services in Santa Clarita, CA. 

Get Better Liability Coverage

With better liability coverage, you are better protected against huge medical bills and many lawsuits. It’s important to have this extra liability coverage in case a serious accident happens that comes with a lot of medical bills. Medical costs are always going up, and it can be extremely expensive to pay for someone else’s medical bills. It can leave you in financial shambles. That’s why you need more liability coverage just in case. 

How It Works

Both your home and auto policies have different types of coverage in them, and one of these is liability coverage. When there’s a serious accident, and your home or auto policy maxes out when paying the medical bills, this can leave an overage. That overage would be yours to pay. However, if you had umbrella insurance this policy would come in after the home and auto policies and pay that overage. Umbrella policies have very high maximum payouts so that all of the overages can be paid. Despite the high amount of coverage in them, umbrella policies are very inexpensive. 

Get An Umbrella Policy

It’s important to have as much liability insurance as you can. It’s essential coverage that can save you financially. To be protected by an umbrella policy, call us at QuoteBroker Insurance Services in Santa Clarita, CA. 

The benefits of umbrella insurance

Umbrella insurance from QuoteBroker Insurance Services is an additional layer of protection that can provide you with significant coverage in the event of a major accident. It is often used here in the Santa Clarita, CA area to supplement existing liability policies and can help protect your finances if you get hit with a large settlement or judgment. While umbrella insurance may seem like an unnecessary expense, it can actually be beneficial in the long run. 

The benefits of umbrella insurance

For starters, umbrella insurance provides increased financial security in the event of an unexpected legal battle. If you are sued for damages that exceed what your regular liability coverage covers, you could be responsible for paying the difference out of pocket. With umbrella insurance, however, any judgments or settlements will be covered up to the policy limits; this means that there’s no need to worry about blowing through your savings to cover unexpected costs. 

Umbrella insurance also covers more than just legal expenses; it can protect you from a variety of different situations. For instance, if someone slips and falls on your property and requires medical attention, umbrella insurance can help pay for their medical bills and related costs. It can also provide protection from libel or slander suits as well as other personal liability claims so you don’t have to worry about getting stuck with hefty damages if something goes wrong. 

In short, having umbrella insurance gives you extra peace of mind knowing that when accidents happen, you won’t have to bear all the financial burden yourself. The added coverage comes at a relatively small cost compared to the potential savings it can provide down the line which makes it well worth considering adding to your existing policy.

We Can Help!

For more information, give us at QuoteBroker Insurance Services a call today. We serve the Santa Clarita, CA area proudly.

Do You Need Umbrella Insurance For Your Home Business?

If you’re running a home business, it can be hard to figure out exactly how to protect all of the hard work you’re putting into growing your organization. Understanding what type of insurance you need is an important step in your business growth. QuoteBroker Insurance Services, serving the greater Santa Clarita, CA community, is here to help. 

Why Umbrella Insurance?

Many business owners wonder whether they need an umbrella insurance plan to protect their home business. Talking with your insurance agent is a smart first move to learn about the coverage that you already have, and can help you determine whether umbrella insurance is a smart move for your business.

Umbrella insurance works to protect any parts of your business that your other types of insurance do not cover. You’ll want to consider several factors when you’re deciding whether you want to purchase an umbrella insurance policy for your business. 

Your current business income may be an important factor in determining whether it’s worth it to protect your business with umbrella insurance coverage. You won’t want to pay more for your policy than you have in assets in your business. This means that while you may not need umbrella insurance when you get your business started, it may become a necessity down the line. It’s important to regularly reevaluate your business and your assets to ensure that your insurance coverage is sufficient for your needs.

QuoteBroker Insurance Services: Proud to Serve Our Santa Clarita, CA Clients

We know that you need to protect your home business, and we’re excited to chat with you about all of your insurance needs. Give us a call or stop in today to discuss how we can help you protect your hard work.

3 ways Santa Clarita business owners can benefit from umbrella insurance

If you own a business in the greater Santa Clarita, CA area, QuoteBroker Insurance Services is the team to rely on for all of your commercial insurance needs. Adding an umbrella policy is an effective way to protect your company now and, in the future, contact our office to learn more. 

3 ways businesses benefit from umbrella insurance

There’s no reason for a successful business to not have an umbrella policy. Everyone should enjoy the protection that these policies provide for the companies that they cover. 

  1. Increased protection – when your primary policy is exhausted, the umbrella policy will become active and help to protect your firm from any losses that exceed the primary policy’s limits.
  2. Peace of mind – you can focus your attention on your core business knowing that your company has the protection it needs. 
  3. Ongoing success – one excessive lawsuit can be enough to wipe out the liability protection provided by your primary policy. With an umbrella policy in place, your firm can enjoy success now and well into the future.  

If you aren’t sure if you have an adequate amount of liability protection for your company, now is a good time to find out. Determining if your needs are currently met can help you ensure that your business is fully protected. Sit down with a local agent and find out today how you can efficiently and effectively protect your company with an additional liability protection policy. Umbrella insurance is a must-have for any thriving local business.  

Contact us today

QuoteBroker Insurance Services is here for the Santa Clarita, CA area business community. If you have questions about liability protection and how an umbrella policy can help to fill this need, contact our office today.

Protect Your Assets With Umbrella Insurance

When you have many assets, it’s essential to protect them in case of an accident or a lawsuit. One way to do this is with umbrella insurance. This policy provides coverage above and beyond your regular homeowners or auto insurance.

Understanding an Umbrella Policy

An umbrella policy is a type of liability insurance. That means it can help protect you from lawsuits or claims against you. If you are liable for damages, your umbrella policy can help pay for them. It can also help cover the costs of your legal defense.

Most people don’t need an umbrella policy. But if you have significant assets, it’s something to consider. That’s because if you are sued and found liable for damages, your regular insurance policy might not cover all the costs. An umbrella policy can help fill in the gaps. QuoteBroker Insurance Services in Santa Clarita, CA can help you determine if an umbrella policy is right for you.

Umbrella Insurance and Your Assets

Your assets are everything you own. They include your home, savings, investments, and future earnings. If you are sued and liable for damages, your assets could be at risk. That’s why it’s crucial to have adequate insurance coverage.

An umbrella policy can help protect your assets in two ways. First, it can help pay for the damages you are liable for. Second, it can help cover the costs of your legal defense.

Contact QuoteBroker Insurance Services Today

If you’re looking for umbrella insurance in Santa Clarita, CA, contact QuoteBroker Insurance Services today. Our team of insurance experts will help you find the right policy for your needs. We’ll also answer questions you have about umbrella insurance.

Why umbrella insurance is so important

QuoteBroker Insurance Services is here for business owners in the greater Santa Clarita, CA area. We know how hard it is to start and maintain a successful business in our area. We want to help you protect your investment and hard work. If your business has grown in recent years, it may be time to add an umbrella insurance policy to your portfolio.

The importance of umbrella insurance 

Umbrella insurance is essential for business owners that carry a lot of liability or have a lot of assets that need protecting. With an umbrella insurance policy in place, you will still be protected if and when your primary commercial policy is exhausted.

The main benefit of an umbrella policy is the protection it provides from personal liability. There are too many ways that you could find yourself in a situation where your primary policy has reached its policy limits and you still have a need for insurance coverage.

When you have an umbrella policy in place, it will provide coverage above and beyond the policy limit levels and maximum coverage amounts of your primary policy. It is important to have this additional protection in place for your business.

In today’s litigious world, it could take one frivolous or disingenuous lawsuit to wipe out all of the hard work that you have put into building and maintaining a successful business venture. Let us put the necessary protection in place!

Let us help you protect your business!

Business owners in the greater Santa Clarita, CA metro area can rely on QuoteBroker Insurance Services for all of their insurance needs. If it’s time for you to learn more about umbrella insurance, give us a call today and set up a consultation. We look forward to working with you!

How Does Umbrella Insurance Work?

Umbrella insurance is a type that covers you against a number of adverse situations. It works alongside both your auto and home insurance policies to give you more protection. Without this coverage, you may someday find yourself trying to come up with large amounts of money, or you may even be sued. If you’re interested in umbrella insurance, give us a call right away at QuoteBroker Insurance Services in Santa Clarita, CA.

Umbrella and Auto Insurance

If you already have an auto insurance policy, umbrella insurance can make it even stronger. With your auto insurance, you have an amount of liability coverage in case you cause an accident and there are medical and property bills that are due. However, the state minimum amount for liability insurance that you have in your auto policy might not be enough for a serious accident. If you get an umbrella policy, this adds to your auto liability coverage so that you are far less likely to be sued and can pay for even very serious accidents. 

Umbrella and Home Insurance

Just as umbrella insurance gives you more auto liability coverage, it does the same for your home insurance policy. Home policies come with a small amount of liability coverage in case someone gets injured in your home. However, this amount is too small to pay for serious injuries. If you get an umbrella policy, it will add to your home liability coverage so that you can pay for even serious injuries without being sued by the injured person. 

Get Umbrella Coverage

If you have both a home and an auto policy, an umbrella policy can add liability coverage to both of them. To find out more about this type of coverage, call us at QuoteBroker Insurance Services in Santa Clarita, CA for more information. 

What are the benefits of getting an umbrella insurance policy?

The Santa Clarita, CA area can be a great place to work and live. When you are a resident of this area of California, you always want to know that you have proper insurance coverage. If you are in the Santa Clarita area, an important form of insurance to acquire is umbrella coverage. This coverage will come with several different benefits for you. 

You Receive Coverage for the Unpredictable

A major advantage that is received when you invest in umbrella coverage is that you will be covered in high-cost situations. While some liability risks are more common and predictable, others could seem to come out of nowhere. When you get an umbrella policy, it will give you a broad coverage level that will provide you with more protection and peace of mind.

Coverage for Bigger Claims

Another advantage of an umbrella plan is that you will get coverage for larger claims. Most people will have some coverage through their existing insurance plans. However, each plan will have a certain coverage limit. If there is ever a claim in excess of these levels, you will still be liable and will have to cover the balance out of pocket. If you have an umbrella policy, it will give you the coverage to offset this risk. 

If you would like to get an umbrella policy and are in the Santa Clarita, CA area, you should speak with QuoteBroker Insurance Services. The team with QuoteBroker Insurance Services understands how valuable this coverage is. When you call our team, you will get the guidance you need to assess your needs and insurance options fully. 

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