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Lucas Insurance Services, Inc

23929 Valencia Blvd, Suite 309
Valencia, CA 91355

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California Umbrella Insurance Coverage

Umbrella Insurance in California

When you think about your insurance policies, you may feel well covered if you have a home and an auto policy protecting you. However, it's possible that you don't have enough of this coverage to protect you in case of a severe incident. That's where umbrella insurance comes in. It gives you extra protection against a range of incidents that can happen. If you are in California and are interested in this coverage, give us a call at Lucas Insurance Services Inc. in Valencia, CA.

Protection for Home Insurance

If you already have a home insurance policy, that's a responsible move. However, there may not be much in the way of liability coverage on your policy. Often, the amount of this coverage is low on home insurance policies, and that can make you vulnerable to paying overages. When an accident happens to a third party on your property, you are likely to be held responsible for the medical bills that result from it. Your home insurance policy will pay up to its maximum amount of coverage for liability. So, what happens to the overage? If you have umbrella insurance, that policy picks up the rest up to its own, much higher, maximum payout.

An Umbrella for Auto Insurance

Just as umbrella insurance works with your home insurance policy, it also works for your auto insurance. If you were to cause an accident, your liability coverage is significant for paying for the medical bills that result from it. First, your auto policy kicks in and pays as much as its stated maximum. Then, your umbrella insurance comes in to pay what is leftover. This is helpful protection that can save you from potentially having to pay thousands of dollars for medical bills.

Get Umbrella Protection

If you live in California and want more liability coverage, give us a call at Lucas Insurance Services Inc. in Valencia, CA to find out more and get started.

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