At a relatively low cost, these policies afford an additional layer of coverage, sold in one million dollar increments, above and beyond the level of protection afforded under your other insurance policies.
Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if you are involved in a car accident where there are injuries? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.
An umbrella insurance policy can offer coverage for some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.
Most home insurance policies do not cover earthquake damage.
Even if you don’t live in an area where earthquakes are common, you may still need earthquake insurance.
Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active.
This program offers you broad protection for your dwelling, other structures, personal property, and additional living expenses. Comprehensive earthquake insurance policies come with a 10% deductible in most areas—lower than most deductibles offered by other earthquake policy carriers!
This plan is designed to provide protection for the dwelling and limited coverage for your personal possessions and additional living expenses. This policy includes a 15% deductible (10% is available exclusively in Washington and Oregon) and can provide substantial savings in premium when compared to similar earthquake coverage offered by other insurance carriers.
Earthquake insurance provides coverage if your home is damaged by an earthquake. Standard homeowner and renters’ policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner or renters’ policy.
An earthquake endorsement generally excludes damages or losses from floods and tidal waves – even when caused or compounded by an earthquake. However, if you experience a loss due to a landslide, settlement, mudflow, or the rising, sinking and contracting of earth, your endorsement may cover it if the damage resulted from an earthquake.
Through the FEMA department of the Federal Government, we offer flood insurance
coverage, which offers coverage in the event of flood damage to your property.