Personal Umbrella Insurance in Huntington Beach, CA
Accidents can result in lawsuits that exceed the liability limits on your auto or homeowners policy. Personal umbrella insurance can pick up where those standard policies leave off, giving you an added layer of liability coverage for situations that could otherwise put your finances at serious risk. 
What Is Personal Umbrella Insurance?
Personal umbrella insurance is a standalone liability policy that backs up your existing coverage. When a claim surpasses the liability limit on a primary policy, umbrella coverage may apply to the remaining amount, up to its own limits. It is not a replacement for auto or homeowners insurance; it works alongside them.
What Does Umbrella Insurance Cover?
Umbrella policies may include coverage for various liability scenarios. Common examples include:
- A car accident where medical and legal costs exceed your auto policy’s limits
- A guest injured on your property who files a lawsuit beyond your homeowners liability coverage
- Libel or slander claims arising from something you said or published online
- A neighbor’s property damage if you accidentally start a fire and it spreads to their home, causing losses that exceed your personal liability coverage
Coverage can vary by policy, so reviewing the specific terms with your agent is always worthwhile.
Who Should Consider Umbrella Insurance in California?
Anyone with assets worth financially protecting, or income that could be garnished through a legal judgment, has good reason to look into umbrella coverage. Those with certain liability concerns, such as parents of teenage drivers, frequent hosts and landlords, may be in particular need of a policy. The cost of an umbrella policy can vary based on individual factors, such as your location, claims history, property features (e.g., pools and firepits) and insureds’ personal details.
Learn More
Liability exposure is real, and a single event can have long-lasting financial consequences. Contact INM Insurance Services, Inc. today to review your current coverage and determine whether personal umbrella insurance makes sense for your situation.