California – 760-241-7375 | Utah – 801-840-9555 Facebook Twitter LinkedIn Google+ Yelp

 

 

House

If you are like many other homeowners, you purchased a home insurance policy and didn't think twice about it. You may have assumed your insurance agent took care of ensuring you had enough coverage for any risks you may face. Even if you did take a closer look at the policy’s details, you may not have known how much liability coverage was ideal for your specific needs. However, most homeowners should take a look at what additional coverage is necessary so they can ensure more comprehensive protection.

Most standard home insurance plans provide liability limits of about $100,000. This may be sufficient for some homeowners, but it also may not be enough protection for others. Most industry professionals recommend at least $300,000 worth of coverage. However, you may want to add even more under certain circumstances.

Choosing an umbrella insurance plan is often necessary when you face more risks. These policies can offer much higher levels of coverage based on your needs. When should you consider this investment?

  1. You have a high-value home. If you want to ensure your financial protection in the event of a lawsuit, having a higher level of liability insurance is worthwhile.

  2. You take risks on your property. This may include simply having significant construction work done or allowing people to engage in risky activities, such as swimming or jumping on a trampoline.

  3. You want ample protection from professional risks. If you own your own a business or provide a service, someone could sue you personally and it could impact your home insurance plan.

If you are unsure if you have enough home insurance and liability coverage, talk to your agent about your needs. Discuss what risks may warrant the additional protection. The good news is you can often add additional liability coverage without breaking the bank. The amount of protection these policies can offer, though, is excellent and well worth the investment. Some may even pay for themselves if you do have the need to file a claim.

Do you have enough coverage? Call Key City Insurance at (760) 241-7375 for more information on Victorville home insurance.

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version

Mercury Excellence Award

Key CityInsurance BlogOur Blog
Home | About Us | Get A Quote | Customer Services | Contact Us
CALIFORNIA Key City Insurance Victorville Office
12370 Hesperia Road Suite 9
Victorville, CA 92395
(760) 241-7375

Rancho Cucamonga Office
10681 Foothill Blvd Suite 495
Rancho Cucamonga, CA 91730
(909) 980-0038
UTAH Salt Lake City Office
3540 S 4000 W Suite 220
Salt Lake City, UT 84120
(801) 840-9555

St George Office
393 E. Riverside Drive Suite 203
St George, UT 84790
(435) 656-8100
CONNECT WITH US Facebook Twitter LinkedIn Google+ Yelp