Comprehensive Umbrella Insurance

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CSIA has been providing Umbrella protection for over 45 years.

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Safeguard your house, belongings, and more affordable with homeowners insurance

Types of

Information that helps you plan, prepare and protect.

Personal Umbrella insurance in California

Personal Umbrella insurance is a type of insurance designed to add extra liability coverage over and above another insurance policy, such as homeowners, or auto insurance. A Personal Umbrella policy, sometimes referred to as umbrella insurance, is meant to help protect you from a large and potentially devastating liability claims or judgements.

Umbrella Coverage for Detached Structures ( Coverage B – Other Structures)

Other structures coverage covers damage to other, detached buildings on your property such as detached garages, gazebos, sheds, swimming pools and fences. This coverage provides coverage for the structure itself NOT the things you store inside. Your personal belongins are covered under Personal Property on the policy. Claim Scenario – If a windstorm knocks a tree onto your shed and it needs to be repaired, other structures coverage helps cover the cost.

Umbrella Coverage for Personal Property – (Coverage C – Personal Property)

From your personal belongins in your home to the tools in your shed, personal property coverage protects items inside and outside of your home up to your personal property limit on the policy. If they are damaged or destroyed by a named peril on the policy. Claim Scenario – A fire that damages your home’s structure also causes smoke damage to your clothes and furniture in the house. Your personal property coverage would help to cover the cost to clean, repair or replace the items damaged or destroyed.

Umbrella Temporary Living Expenses – ( Coverage D – Loss Of Use)

If your home becomes uninhabitable as a result of a covered loss, this coverage helps pay for additional living expenses that are needed like a hotel or food. Claim Scenario – After a fire, you are not allowed to stay in your home until is has been repaired and the smell of smoke is gone. This coverage would provide you with additional money for a temporary place to live.

Liability Protection – (Coverage E – Personal Liability)

If someone is accidentially injured on your property, the personal liabilty coverage can protect you from a liability claim and lawsuit brought by others against you. This coverage is subject your policy limits. Claim Scenario – Unfotunaley, your friend was over when the fire started and they were severly injured and required medical treatment at the hospital. The liabilty coverage on your homeowner’s policy will hellp pay for their medical bills.

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What happens if...

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Yes, your homeowners insurance covers a large number of perils. However, you should always consult with your agent on Insurance limits and coverage.

If the unexpected happens, losing your home contents could be distressing as well as financially devastating. Your Farmers homeowners, Townhouse, Condo and Renters policies cover the loss of your personal belongings, subject to the policy limits and conditions.

Your home is probably the single largest investment you'll ever make. By insuring your home, you are helping to protect your investment.

A deductible is the amount you’re responsible for in the event of a covered loss.

For home policies, there are three common types of deductibles: A flat deductible, A percent deductible and A split deductible.

You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.

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