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.
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.
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.
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.
"Professional and friendly staff right from the start! Great quotes and customer service…. wouldn’t go anywhere else!"
- Erick M.
"Very friendly staff!!! Not like other rude insurance companies that try to take your money away. Really fast quotes straight to the point. The young lady insured my four vehicles based on all my needs and also offered me home insurance and all for an affordable monthly payment. I really do recommend them, plus both agents are bilingual.( English/Spanish). Great Service and Great Insurance Company."
- Cesar Haid H.
"I’m highly recommending this insurance company. They have the best rates and have a very nice customer service, the employees are friendly and they can help you with any questions you might have."
- Ivan F.
Monterey Park, CA
"Great service–they always help the customer and we are very satisfied, and the person who helps us is named Karina!!!"
- Karla F.
"I can’t say enough, every time I call I get super friendly and professional help. Crystal and Karina are awesome, always willing to help and find me the best rates and service. I was able to get full coverage on my car for an great price! Karina even helped me with the DMV. Strongly recommend them."
- Tori A.
"Love this insurance agency! They answer all my questions and concerns. I make sure to let all my friends and family know about this place."
- Julia C.
South Los Angeles CA
"I have been a customer of Lucas Insurance for many years. I have moved in and out of state several times throughout most of those years as well. Each time I come back, it’s a no-brainer that I contact Lucas Insurance for all of my insurance needs. I have consistently received excellent service each and every time. Moving and having to obtain new insurance can be stressful, but thankfully it’s not with Lucas Insurance! I actually look forward to making the call. I encourage everyone in the market for insurance, to pick up the phone and make that call too! Thank you for providing such great customer service, especially when it seems most companies these days don’t even know what that means."
- Andrea C.
Santa Clarita, CA