Umbrella Insurance in California

You never know when you're going to be involved in an accident, so it's best to have coverage. If you want to make sure you have enough coverage, you need Santa Clarita, CA umbrella insurance from Quotebroker Insurance Services.

What Is Umbrella Insurance?

When you purchase an insurance policy, you're purchasing a certain number of dollars’ worth of coverage. Most of the time, things like home and auto insurance will offer enough coverage by default, but that's not always the case. If you're involved in an accident with a very expensive vehicle, for example, your insurance may not cover all the damages.

California umbrella insurance is designed to kick in when your regular insurance policies don't offer enough coverage. If you need a few thousand dollars’ worth of coverage for an auto accident or damage to your home, you can use your umbrella insurance to help cover it. Think of umbrella insurance as one large umbrella of coverage that sits over the rest of your policies.

Liability Coverage

One thing that's important to understand when it comes to California umbrella insurance is that this is essentially a form of liability coverage. Umbrella insurance is designed to pay for damage to other people's property that you're held liable for. If your insurance isn't enough to pay for damage to your own property, your umbrella insurance won't kick in and cover the additional cost. If you want to make sure you have the coverage you need for your own property, you have to make sure your individual policies (home, auto, etc.) offer you enough coverage.

Insurance can be a tricky thing when it comes to how much coverage you need. The good news is, umbrella insurance makes it easy to supplement your coverage a bit. If you're looking for Santa Clarita, CA umbrella insurance, simply call an agent at Quotebroker Insurance Services to get a free quote today.