McVey Insurance

Get Social With Us

What is Umbrella Insurance?

McVey InsuranceUmbrella Insurance in CA, provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Basically, Umbrella Insurance policies protect you from liability issues that go beyond the liability limits of standard insurance policies, such as your homeowner’s insurance, car insurance, etc. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.

What does Umbrella Insurance cover?

Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance line. Umbrella Insurance from McVey Insurance kicks in when these situations present themselves and/or you exceed the amount of liability coverage for the events that are already allowed under your regular insurance policies.

Why should you purchase Umbrella Insurance?

You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn’t have to worry about liability costs in the future.

Contact McVey Insurance today for more information on umbrella policies and get a free online quote!

Share
McVey Insurance
Contact us!

1231 8th Street Suite 100
Modesto, CA 95354
Office: 209-577-0177  
Fax: 209-577-0288
www.mcveyinsurance.com
Lic#0821827

McVey Testimonials
I’ve been working with James for about 3 years. He has always gone above and beyond to ensure I have the coverage I need at the best possible price. I don’t have to worry about anything, he handles it all. I’ve had several claims where I felt like he was representing me, not an insurance company. If you haven’t talked to him…You should. Thanks James. Bear W. Modesto, CA
Follow Us!
Borrowed images and
content properly cited.


Powered By Transformer Marketing