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Rincon Insurance offers many insurance types including Auto, Home, Renters, Commerical, Business, Life and many other niche products. Please reach out to us to inquire about how we can cover your assets.

Yes, our company and team are licensed in the state of California. We also have a network of partners that allow us to legally bind coverage through the entire United States.

We are independent insurance brokers dedicated to providing the best quality, service, and rates for our customers by comparing multiple companies. By using Rincon Insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and necessary when filing a claim. A local, independent agent, such as Rincon Insurance offers quality insurance with competitive pricing and personalized service.

Origin Story

Please go to the Learn section of our website to learn more about insurance.

You can set up an appointment with us in multiple ways:

1. Email us at support@rinconinsurance.com

2. Use this link to set an appointment with a Rincon Insurance Agent that best meets your schedule

3. Give us a call at (805) 881-2176

Only specific cars qualify for classic auto insurance. Your vehicle needs to be your second car that’s used for pleasure and not used on a daily basis. Classic cars are passion projects, cherished keepsakes, and also investments. Replacement parts can be costly and hard to find, which is why you will want quality insurance on your classic car. The value of your vehicle will determine the policy amount. In most cases, your classic car insurance will be cheaper than your standard auto policies.

Each car insurance company has different requirements to qualify for coverage. Some of these factors include requiring a clean driving record, limits on driven miles, and safe storage conditions.

Gap insurance

Auto insurance is required by almost all states. But, besides adhering to the law there are many reasons auto insurance is important. Insurance will pay large expenses including property damages and medical expenses if you are involved in an accident. It is important to protect yourself and your passengers with coverage for property and bodily injury. If your car is totaled in an accident, gap insurance can pay off your entire car loan if the pre-accident value is less than the loan. After an accident, insurance can help with vehicle towing, repairs, and replacements. Once a claim is filed, the insurance company can manage the process and provide the proper support needed.

Comprehensive insurance protects your car from damages you can’t control. Some examples of what comprehensive coverage covers are broken windshields, damage due to nature such as a tree falling on your car, theft of car parts, vandalism, civil disturbances, hitting an animal that jumps in front of your car, and natural disasters including hurricane, flooding, fire, wind, hail, and earthquakes.

When you apply for an insurance policy, you will be asked several key questions used in underwriting. The agent will ask for your personal information including you name, age, gender, and address. You will be asked a few other questions which will be used to determine how likely you are to make a claim. We will want to know about your driving record, whether you have any recent accident or ticket history, and what type of car is to be insured.

Your auto collision deductible is the amount you pay out-of-pocket for car insurance claims before your policy covers the rest. For example, if your deductible is $1,000 and your vehicle has $5,000 in damage, you would be responsible only for the $1,000 to pay to repair your car. Your insurance company and your collision insurance coverage would help pay the rest.

Usually the lower your deductible amounts, the higher your premium. So, if you plan to buy auto collision coverage, selecting a higher deductible generally helps lower the cost of your auto insurance.

Each state has a different minimum car insurance requirement. Your state may require different levels than other states for property damage liability and bodily injury liability. Many drivers opt for the minimum state requirement, but we recommend you find the best coverage at the best price available so that you have less out of pocket expenses in the event of an accident. While many drivers may opt for the least expensive car insurance that only covers the state minimum insurance limits, this choice may leave a driver paying for expenses out of pocket in the event of an accident.

Collision insurance covers damages from another vehicle or object. Without collision insurance, you would have to pay out-of-pocket for all expenses in the unfortunate case of an accident. Collision insurance is optional, but many auto lenders require it if you are financing or leasing your vehicle.

Collision insurance covers accidents with another car, single car collisions such as a rollover, someone crashing into your parked car, an accident in a car you’ve rented, or a collision with another object like a mailbox.

Collision insurance typically does not cover damage to another person, theft, vandalism, accidents with animals, or any other type of losses that are incurred but are not auto related.

To get full coverage is best to pair collision insurance with comprehensive car insurance, bodily injury liability insurance, and property damage liability insurance.

Many factors affect the cost of your automobile insurance some of which you can control and some that are beyond your control.

The type of car you drive, car age, the purpose the car serves, miles driven, your driving record, geography, driver’s age, marital status, and where the car is garaged can all affect how much your automobile insurance will cost you.

The variables in your control are coverage limits and deductible amounts.

Our boat insurance can help protect powerboats, bass and fishing boats, pontoon boats, personal watercrafts (PWC), and sailboats. Whether your boat is for fishing, watersports, or just smooth sailing, here at Rincon Insurance agency we have you covered.

Motorhomes, travel trailers and campers need custom coverage. RV insurance gives you many of the same benefits you get with car insurance coverage, but includes more protection based on the unique risks that RVs face.

While both types of coverage help with the cost of rebuilding your home or replacing damaged items after a covered loss, actual cash value policies are based on the items depreciated value while replacement cost coverage does not account for depreciation.

The typical homeowner’s policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage for the insured. Almost anyone who owns, or leases property has a need for this type of insurance. Usually, homeowners’ insurance is required by the lender to obtain a mortgage.

A renters policy provides named perils coverage. This means that the policy only pays when your property is damaged or destroyed by any of the ways specifically described in the policy. These usually include fire or lightning, windstorm or hail, explosions, riots, aircraft, vehicles, smoke, vandalism, theft, falling objects, ice, water or steam, freezing, electrical current, and more. Renters’ coverage applies to your personal property no matter where you are in the world. This means you’re covered when you are on vacation as well as at home.

If you live in an apartment or a rented house, renters insurance provides important coverage for both you and your possession. A standard renters policy protects your personal property in many cases of theft or damage and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability. Anyone who leases a house or apartment should consider this type of coverage.

The standard of insurance policy does not pay for direct damages caused by “earth movement.” Earth movement is a much broader term than earthquake. It includes earthquake, volcanic activity, and other earth movement. This coverage may be available by endorsement for an additional charge. If you live in an area that is more likely to have an earthquake, you’ll pay more than if you live in an area that is unlikely to have an earthquake. We can help you weigh the costs and benefits of this coverage before you decide to purchase.

Standard renter’s policies cover only you and relatives that live with you. If your roommate is not a relative, each of you will need your own renter’s policy to cover your own property and to provide you liability coverage for your own actions.

As a small business owner getting the right type of insurance is important to protect your business. Many business owners start with a Business Owners Policy (BOP) for their commercial insurance needs.

What does a BOP cover? Property Liability Insurance & General Liability Insurance

Property Liability Insurance

Property liability insurance covers your business furniture and equipment at up to five different office locations, including accidental damage.

General Liability Insurance

General Liability protects your business from another person or business claims of bodily injury, associated medical costs and damage to their property.

With General Liability insurance you’re typically covered for the following:

• Property Damage: You need not worry if you accidentally damage someone else’s property because, insurers will cover claims of damage if you’re held legally liable. Insurers may also cover legal costs if you’re sued without reducing your limits of liability.

• Bodily Injury: You’re covered if someone other than yourself, or an employee is injured at your workplace, and if you’re held legally liable. Insurers also may cover legal costs if you’re sued without reducing your limits of liability.

• Personal Injury: Insurers protect you against claims of libel or slander incurred through the delivery of your professional services.

• Electronic Data Liability: This could be added for consultants and technology service providers, Insurers may cover your liability for loss of someone’s electronic data resulting from the physical damage of property (e.g. an employee accidentally damages a clients server resulting in the loss of the client’s data).

• Advertising Injury: Insurers can protect you against the unintentional use of a third party’s advertising idea, copyright or trade slogan if its used as part of your advertising (press advertisement or email).

• Damages to Premises Rented: If you rent or use a property with permission of the owner (e.g. office space or a conference facility) and cause a fire, our policy protection such a liability claim.

• Medical Expenses: If an accident occurs and a third party is injured, your general liability insurance policy will also cover an associated medical expenses up to a specified amount (e.g. $5000) for each injured person.

• Defense Costs: If you’re sued, Insurers can hire an attorney to defend you, if necessary. Insurers can defend a lawsuit even if the claims are groundless, insurers often will pay the defense costs on your behalf without reducing your limits of liability.

• Actions of your Full-time employees and Temporary staff: Insurers can provide coverage for the actions of your full-time employees and temporary staff that are performed on behalf of your business.

• Worldwide Insurance Coverage: Insurers can cover damages occurring in the United States, its territories and Canada. Insurers can offer some coverage for short periods of travel outside these areas.

Various types of businesses have unique insurance needs and not all businesses need the same types of commercial insurance. Rincon Insurance can help you get the right type of coverage. You can tailor your commercial insurance policy and add optional coverages such as:

• Commerical Auto Insurance: helps cover you and your employees on the road if you’re driving for business.

• Commerical Flood Insurance: which covers flood damage caused by rain, snow, hurricanes, or construction runoff. This kind of damage is not included in standard property coverage.

• Commerical Umbrella Insurance: which helps protect your business from claims that exceed your policy limits by extending your liability coverage.

• Cyber Insurance: to help protect your company from cyber threats and attacks.

• Workers Comp: Workers compensation insurance to help your employees if they suffer work-related injuries or illnesses. Coverage requirements vary by state, so make sure you know if you need this type of insurance.

• Error & Omissions Insurance (E&O): Which helps your business if your customer sues you for financial losses due to a mistake you made in the process of doing business. This coverage is also known as professional liability insurance.

The cost of commercial property insurance is influenced by several key factors that help insurers assess your level of risk. These include:

• Property Value & Size: The larger and more valuable the building and its contents, the higher the coverage—and premium—you’ll need.

• Location: Areas prone to natural disasters (like wildfires, earthquakes, or floods) or high crime rates often result in higher premiums.

• Construction Type: Fire-resistant materials or modern safety features can lower your costs, while older or wood-frame buildings may increase them.

• Type of Business: What you do on the premises matters. For example, a restaurant with open flames will cost more to insure than an office space.

• Security & Safety Measures: Properties with alarms, sprinklers, surveillance, and secured access may qualify for discounts.

• Claims History: A clean claims record often results in more favorable pricing.

Every policy is tailored to the business, so it’s best to work with an experienced agent who can shop multiple carriers to find you the best rate.

Insurance carriers use loss run reports to:

• Evaluate risk by seeing how many claims you've filed

• Understand the type and frequency of past losses

• Help determine your premium and eligibility

Think of it like a credit report but for your property insurance history.

Details typically include: property address, square footage, year built, construction type, occupancy/use, updates to roof/plumbing/electrical, current insurance details, and loss run reports.

A must-have for most quotes. It shows your claims history, helps underwriters assess risk, and speeds up the quoting process.

Property protection (building, contents), business interruption, general liability, equipment breakdown, and more — depending on the needs of the business.

Yes. Many areas face reduced availability and higher premiums. Properties in brush zones may require specialty markets or additional mitigation documentation.

If your property is in a high-risk area or has complex features, you may be placed with an E&S carrier — they offer flexible terms but are not admitted in CA (less regulation, more custom options).

It’s important to disclose this. Occupancy type impacts coverage and rate. Some carriers require tenant insurance or additional protections for vacancies.

Replacement Cost pays to rebuild or repair without depreciation; ACV subtracts depreciation and may leave you underinsured in a loss.

Yes — especially if a covered loss would affect your income stream. Business interruption insurance helps cover lost revenue during downtime.

Older buildings with outdated systems, prior losses, vacancy, high-risk tenants, or wildfire zones can make it harder to place with standard markets.

Yes — many carriers conduct a post-bind inspection. If issues are found (e.g., roof, vegetation, hazards), you may be required to make corrections to stay insured.

HOA insurance protects the association from financial loss due to property damage, lawsuits, or injuries that occur in shared or common areas. Without it, repair costs and legal fees could fall directly on the HOA and its members.

Typical HOA insurance covers:

• Common area property damage (e.g., roofs, lobbies, pools, clubhouses)

• General liability for injuries in common areas

• Directors & Officers (D&O) liability

• Fidelity/crime coverage (protection from employee or board member theft)

• Building structure (depending on policy type)

Not usually. HOA insurance generally does not cover the interior of units or personal belongings. Homeowners typically need an individual HO-6 condo insurance policy for interior structures, personal contents, and liability.

Review the HOA’s CC&Rs (Covenants, Conditions & Restrictions) and insurance declarations. These documents outline the boundaries of responsibility between the HOA master policy and the homeowner’s individual policy.

Yes, if the HOA carries Directors & Officers (D&O) liability insurance, it protects board members from lawsuits related to decisions made while acting in their official capacity.

Coverage should reflect the value of shared structures and amenities, potential legal risks, and state or lender requirements. An experienced broker can help your HOA determine proper limits and ensure compliance.

At least once a year, or anytime your community undergoes changes — such as renovations, increased property values, or new amenities. Keeping coverage current helps prevent gaps and unexpected costs.

Breaks down general liability, commercial property, liquor liability, equipment breakdown, and workers’ comp.

Explains optional add-ons like food spoilage, refrigeration breakdown, and loss of income from mechanical issues.

Highlights when and how to extend coverage for patios, sidewalk seating, pop-ups, or catering events.

Encourages annual reviews and policy updates due to staffing changes, menu expansions, equipment upgrades, etc.

Breaks down what’s typically included—negligence, errors, omissions, misrepresentation, and legal defense costs.

The amount depends on your industry, the size of your contracts, and your risk tolerance. Some clients even require a minimum coverage amount in your contracts. A common starting point is $1 million in coverage, but higher-risk industries may need more.

Typically, it covers claims arising from work performed by your employees and contractors — but you must disclose contractors to your insurer. In some cases, contractors may need to carry their own professional liability policies.

Special event insurance is short-term liability coverage designed to protect you financially if something goes wrong during your event — like property damage, injuries, or cancellations. It can also include liquor liability if alcohol is being served.

This insurance is ideal for one-time events such as:

• Weddings

• Corporate parties

• Fundraisers

• Trade shows

• Birthday parties or anniversary celebrations

• Community events (fairs, concerts, etc.)

Coverage varies by policy, but may include:

• General liability (bodily injury and property damage)

• Liquor liability (if alcohol is served)

• Cancellation or postponement due to covered reasons (available as an add-on)

• Damage to rented premises or equipment

You should ideally purchase event insurance as soon as your event details are confirmed — especially if your venue requires a Certificate of Insurance (COI). The earlier you buy, the better prepared you’ll be. We recommend start shopping for quotes 60 days in advanced to your event. Typically commercial quotes are only valid for 30-days.

Purchasing in advance helps you:

• Secure venue contracts that require proof of insurance

• Avoid last-minute stress or delays in obtaining a COI

• Ensure coverage is in place for pre-event setup days (if applicable)

• Add optional protections like cancellation or weather coverage — which often require earlier purchase

• Lock in pricing and options before policies sell out for high-demand dates

Unfortunately, being a non-profit doesn't shield your organization from liability or lawsuits. Like any business, non-profits can be held responsible for injuries, property damage, employment disputes, or board decisions. Insurance is essential to protect your mission, people, and finances.

Non-profits face a range of risks, including:

• Slip-and-fall accidents at events or on property

• Property damage to offices, equipment, or rented spaces

• Volunteer or employee injuries

• Lawsuits for discrimination, harassment, or wrongful termination

• Board member decisions that result in financial loss or legal action

• Data breaches or cyber incidents involving donor or client information

Most non-profits should consider:

• General Liability – Covers injuries and property damage to third parties

• Directors & Officers (D&O) Insurance – Protects board members and leadership from personal liability

• Workers’ Compensation – Required in CA for employees and sometimes volunteers

• Property Insurance – Covers buildings, office equipment, and contents

• Professional Liability (E&O) – Covers claims of negligence in the services you provide

• Cyber Liability – Protects against data breaches or online threats

• Event Insurance – For fundraisers, galas, or one-time activities

Yes. Even unpaid volunteers can unintentionally cause injury or damage during activities. They may also be injured themselves. A good insurance policy will extend coverage to your volunteers.

Not necessarily. Many carriers offer tailored packages for non-profits with affordable premiums. The cost depends on your size, activities, number of employees/volunteers, and the types of coverage needed — but the protection it offers far outweighs the cost.

Manufacturers face complex risks, so a comprehensive insurance program is crucial. Key coverages include:

• General Liability Insurance
  Covers third-party injuries and property damage caused by your operations (e.g., a visitor slips and falls in your facility).

• Product Liability Insurance
  Protects you from claims related to bodily injury or property damage caused by a defective product you manufacture or distribute.

• Commercial Property Insurance
  Covers damage to buildings, raw materials, finished goods, tools, and inventory due to fire, theft, or other covered perils.

• Equipment Breakdown Insurance
  Covers the cost of repairing or replacing essential machinery or equipment due to sudden mechanical failure (not regular wear and tear).

• Business Interruption Insurance
  Provides income replacement if your manufacturing operations are halted due to a covered event (e.g., fire or equipment failure).

• Workers’ Compensation Insurance
  Required in California. Covers employee injuries or illnesses that occur on the job, including medical bills and lost wages.

Absolutely. Manufacturing insurance isn’t one-size-fits-all. Coverage can and should be tailored based on your specific industry, facility, machinery, and risk profile.

Here are a few examples of how insurance is tailored:

• Food & Beverage Manufacturing
  May require product recall insurance, spoilage coverage, and specialized equipment protection (e.g., refrigeration units).

• Metal Fabrication or Industrial Machinery
  Needs higher limits for equipment breakdown, property coverage for costly tools, and product liability for heavy-duty machinery.

• Textile or Apparel Manufacturing
  May include coverage for flammables, bulk inventory, or equipment used in dyeing and printing.

• Electronics Manufacturing
  Often includes errors & omissions, international shipping protection, and cleanroom contamination endorsements.

A good insurance broker will work with you to identify your exposures and build a package that aligns with your operations, safety protocols, and regulatory requirements.

Yes — but only if you have Product Liability Insurance as part of your commercial policy. Product liability covers bodily injury or property damage caused by a product you've manufactured, distributed, or sold.

For example:
If a defective electrical device you produced causes a fire or injury, product liability insurance can cover legal defense costs, settlements, or medical expenses related to that claim.

Standard product liability policies do not cover the cost of voluntary product recalls — including shipping, disposal, or customer notification.

To be protected in that case, you’ll need to add a Product Recall Insurance endorsement or policy, which can cover:

• Recall-related expenses (collection, shipping, disposal)

• Customer notifications

• Business interruption losses

• Brand rehabilitation or crisis management

Yes — especially if you manufacture products that are consumed, worn, or installed (like food, supplements, electronics, machinery, or auto parts). Even a small recall can become costly very quickly and harm your brand reputation.

Business interruption insurance (also called business income insurance) helps cover lost income and ongoing expenses if your manufacturing operations are temporarily shut down due to a covered event — like a fire, equipment breakdown, or natural disaster.

Apparel and clothing manufacturing insurance is a tailored package of coverages that protects fashion and textile manufacturers from common risks—such as property damage, equipment breakdown, product liability, and supply chain disruptions.

Even small-scale clothing manufacturers face big risks. Manufacturing insurance helps protect your operations from losses due to fire, theft, defective products, employee injuries, or machinery breakdowns. Without it, one event could halt production or damage your brand.

Most apparel manufacturing insurance policies include:

• General liability insurance

• Product liability insurance

• Commercial property insurance

• Equipment breakdown coverage

• Business interruption insurance

• Workers’ compensation

• Optional: Cyber liability or Inland marine for goods in transit

Manufacturing insurance can include product liability coverage, which protects you if someone is injured or claims harm due to a defect in your clothing or accessories. However, it doesn’t cover routine returns or dissatisfaction—only bodily injury or property damage claims.

Yes, equipment breakdown coverage—often part of your manufacturing insurance—can cover sudden mechanical failures of your production machinery, including sewing machines, embroidery equipment, cutting tables, and more.

Your commercial property coverage, included in a comprehensive apparel manufacturing insurance plan, can cover damage to your building, raw materials (like fabrics and trims), finished goods, and equipment due to fire, smoke, or certain types of water damage.

Yes, you can include business interruption insurance to help recover lost income and ongoing expenses if your operations are halted due to a covered loss—such as a fire, equipment failure, or vandalism.

Absolutely. Whether you manufacture women’s clothing, athleisure, uniforms, or high-end fashion, your policy can be tailored to your supply chain, distribution methods (e.g., wholesale vs. direct-to-consumer), and the types of materials and equipment you use.

Workers’ comp typically covers in-house employees, not independent contractors. If you work with contractors or overseas manufacturers, you’ll need to disclose those relationships to your broker and potentially add additional protections like supplier or contingent liability coverage.

Wholesaler and distributor insurance is a customized insurance package designed to protect businesses that store, handle, and distribute products — including everything from electronics to food to apparel. It covers risks like damaged inventory, product liability claims, equipment breakdowns, and more.

Most wholesaler and distributor insurance programs include:

• General liability insurance

• Product liability insurance

• Commercial property insurance

• Business interruption coverage

• Inland marine insurance (for goods in transit)

• Equipment breakdown insurance

• Workers’ compensation (if you have employees)

Yes. Through inland marine insurance, wholesaler and distributor insurance can cover goods while they are being transported between warehouses, vendors, and retailers — whether you use your own vehicles or a third-party shipping company.

If your business imports or exports, you’ll need to extend your wholesaler and distributor insurance with international transit or ocean cargo coverage, as well as consider foreign liability if you operate globally.

Commercial property insurance under your wholesaler and distributor policy covers fire, theft, vandalism, and certain weather events that damage your inventory, shelving systems, or storage equipment.

Yes. With product liability coverage included in your wholesaler and distributor insurance, you’re protected against claims of bodily injury or property damage caused by products you distribute — even if you didn’t manufacture them.

It can, and it’s highly recommended. Business interruption coverage helps replace lost income and cover ongoing expenses if your facility can’t operate due to a covered loss like a fire or power outage.

Absolutely. Whether you distribute food, electronics, industrial supplies, or clothing, wholesaler and distributor insurance can be customized to your product types, shipment volume, risk tolerance, and facility size.

While not always legally required, many vendors, suppliers, and landlords will require you to carry certain coverages (such as general liability and product liability) to do business or lease a facility.

If you discover or are notified of a defect, you report it to your insurance provider immediately. The insurer will:

• Help coordinate the recall process

• Engage crisis management experts if needed

• Cover eligible expenses outlined in your policy

Quick reporting and clear documentation are key to a smooth claims process.

Product liability insurance covers legal defense and damages if your product causes injury or property damage.

Both types of insurance are important and often work together to protect a company.

A mishandled recall can destroy customer trust.
Product recall insurance often provides access to professional crisis management firms who can help you manage media, customer communication, and damage control — ensuring your brand reputation survives a crisis.

Product recall insurance helps cover the costs associated with recalling a defective or dangerous product from the market. It protects businesses against financial losses related to retrieving, replacing, and disposing of products — plus potential reputational damage.

Any business that manufactures, imports, distributes, or sells products — especially in industries like food and beverage, consumer goods, automotive, electronics, and healthcare — should consider product recall insurance. Even companies with strong quality control processes can face unexpected recalls.

Coverage can include:

• Notification costs (alerting customers, regulators, and retailers)

• Shipping and disposal of recalled products

• Replacement or repair of defective products

• Business interruption or loss of income

• Public relations/crisis management services

• Third-party liability (if your product harms another company’s product or reputation)

While coverage is broad, typical exclusions may include:

• Criminal acts or intentional misconduct

• Known defects prior to policy purchase

• Product recalls not mandated by a regulatory body (unless voluntary recalls are included in your policy)

Always review the specific policy wording to understand exclusions.

Premiums depend on several factors, including:

• Type of product

• Annual sales revenue

• Manufacturing processes

• Recall history On average, small to mid-sized businesses might pay anywhere from a few thousand dollars to tens of thousands annually — but the protection it provides in the event of a recall can be worth millions.

Life insurance provides financial protection for your family in the event of your passing. Your beneficiaries will receive money to use as they see fit, ensuring security in a difficult time. Anytime is an ideal time to get life insurance but these life events are especially important. If you were just married, you bought a new home, or you’re expecting a new baby.

3 Types of Life Insurance include:

• Term Life: Is typically affordable coverage to meet your temporary needs. Insureds receive a guaranteed death benefit for the term chosen, and payments are guaranteed to remain level for the length of the term.

• Whole Life Insurance: Gives insureds level premium, strong guarantees, and valuable protection. It can also build cash value, which you can access through loans.

• Fixed annuities/fixed income: A single premium deferred annuity (SPDA) or fixed indexed annuity (FIA), you make just one lump-sum premium payment in exchange for a guaranteed stream of income for your retirement years.

Health insurance typically covers medical expenses for illnesses, injuries and condition. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own.

Reasons why Health Insurance is important:

-To safeguard your way of life and family’s physical and financial wellbeing

-Because accidents or health problems can happen at any time

-Medical expenses can be high. Often times medical expenses are a lead cause of bankruptcy

-To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies

-Health insurance is important to gain access to pay and keep track of medical payments quickly and easily

It used to be that the only people who needed personal umbrella liability policies were wealthy individuals who had sizable amounts of personal assets that would be at risk in a lawsuit. However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since they are even less able than a wealthy individual to pay large damage awards, they recognize the need to have coverage limits greater than what can be obtained from their homeowner or auto policies.

The personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all your other personal liability policies – home, auto, boat, RV, etc. – so you have a higher personal liability limit than what would otherwise be available. In certain circumstances, an umbrella policy may provide personal liability coverage that is otherwise excluded from your other policies. For example, an umbrella policy provides coverage anywhere in the world, whereas your auto policy usually provides coverage in the US and Canada only.