When it comes to protecting your assets, auto and home insurance are essential. But what happens when a claim exceeds the limits of your primary policies? That’s where umbrella insurance steps in. For residents of Tustin, CA, umbrella insurance provides an extra layer of liability coverage, ensuring you’re protected from unexpected financial burdens. At Gambino & Wasson Insurance Brokers, Inc., we’re here to help you understand how umbrella insurance works alongside your existing policies.
What Is Umbrella Insurance?
Umbrella insurance is a type of liability coverage that goes beyond the limits of your auto and home insurance policies. It’s designed to cover large claims or lawsuits that could otherwise leave you financially vulnerable. For example, if you’re involved in a car accident and the damages exceed your auto insurance coverage, umbrella insurance can help cover the remaining costs.
Why Tustin Residents Need Umbrella Insurance
Tustin is known for its beautiful homes, active community, and high property values. These factors can increase the risk of liability claims, whether it’s a slip-and-fall accident on your property or a car accident on the busy streets of Orange County. Umbrella insurance provides peace of mind by offering additional protection in these situations.
How Umbrella Insurance Works with Auto and Home Policies
Umbrella insurance doesn’t replace your auto or home insurance—it enhances them. Here’s how it works:
- Auto Insurance: If you’re at fault in a car accident and the damages exceed your policy’s liability limits, umbrella insurance can cover the remaining costs.
- Home Insurance: If someone is injured on your property and sues for damages, umbrella insurance can help cover legal fees and settlement costs beyond your home insurance limits.
Protect Your Future with Gambino & Wasson Insurance Brokers, Inc.
At Gambino & Wasson Insurance Brokers, Inc., we understand the unique needs of Tustin residents. Umbrella insurance is an affordable way to protect your assets and ensure you’re prepared for life’s unexpected events. Contact us today to learn more about how umbrella insurance can complement your existing policies and provide the coverage you need.
