CA Car Insurance

Looking for the best auto insurance in California? Look no further than Eugene C. Yates Insurance Agency. Our California insurance agents will make sure your CA car insurance meets your needs. Whether you need auto insurance in San Francisco, car insurance in Sacramento or anywhere in California, Eugene C. Yates Insurance Agency can provide you with an affordable auto insurance policy and the professional service to back it up. Get your free California auto insurance quote today!

California Home Insurance

Are you overwhelmed shopping for California home insurance? The California insurance professionals at Eugene C. Yates Insurance Agency can help. We will shop the top carriers to find you the CA home insurance that fits your budget and protects your home. So whether you need San Francisco, Roseville, Lodi or Sacramento home insurance, we’ve got you covered. To learn more contact us today!

California Business Insurance

Eugene C. Yates Insurance Agency knows what it takes to protect your California business. We will look at your businesses specific needs and create the California business insurance plan that best suits your needs and budget. We can combine products like general liability, commercial auto insurance, and California disability to make sure every aspect of your business is protected. Fill out our free business insurance quote form to start saving on your California business insurance.

Life Insurance in California

Eugene C. Yates Insurance Agency knows the ins and outs of the California Life Insurance market. We will help navigate you through the process of selecting the proper life insurance for your lifestyle. We will explain the pros and cons of your various life insurance options. Whether it’s term life, whole or universal life insurance, Eugene C. Yates Insurance Agency will find the California life insurance solutions for you.

Home » Product Offerings » Umbrella Insurance

Umbrella Insurance

What is Umbrella Insurance?

Umbrella Insurance 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 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 Eugene C. Yates Insurance Agency today for more information on umbrella policies and get a free online quote!

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