If you’ve been looking at insurance policies to protect your family and financial security, you may have come across the term “umbrella” insurance. These insurance policies expand coverage in specific ways and can significantly reduce risks. They are often quite affordable, especially in terms of how much protection they can provide. If you’re looking for an insurance agency serving Greater San Francisco and Concord, CA, contact Land Home Insurance Services at your earliest convenience to discuss umbrella policies.
A Closer Look at Umbrella Insurance Policies
Just as an umbrella protects you from rain and bad weather, an umbrella insurance policy provides protection from various events. Umbrella insurance policies are typically designed to extend coverage. This may include increasing payout limits for events or covering incidents not currently covered under a given policy.
For example, let’s say you’re a dog owner. If your dog bites someone on or off your property, you could face a civil suit to pay for medical bills, pain and suffering, and whatever else. Your regular insurance policy may cover these costs but may also be uncovered. Further, maybe only certain breeds of dogs are covered, or only incidents on your private property. The total coverage amount might be low, as well. With umbrella insurance, you may be able to extend coverage to increase limits, reduce deductibles, expand coverage to off-property incidents or specific breeds, and more.
Umbrella insurance can be used to cover many other things. With healthcare costs rising, you might take out a policy to provide additional coverage for medical expenses stemming from personal injuries on your property or healthcare bills resulting from car accidents, for example. If you live in or near Silicon Valley and San Francisco and are looking for an insurance agent serving Concord, CA, contact Land Home Insurance Services. We’d be glad to discuss umbrella insurance options with you and your family.
