Umbrella insurance is simply defined as a type of personal liability insurance policy that covers the policyholder when a claim is in excess of what typical insurance policies for automobiles or homes will pay.  These policies cover not just the policyholder, but other members of the household or family as well.  Umbrella insurance protects you by providing additional coverage if the cost of a lawsuit against you goes above the protection of your primary auto, homeowner, or renters’ insurance.  For example, umbrella policies usually cover libel, slander, false arrest, and invasion of privacy.  Incidents, where you file a claim on these policies, do not have to involve your actual property or vehicle. You are also covered worldwide by an umbrella policy.  In the El Centro, CA area you may want to contact an agent at Armorcrest Insurance Services about umbrella coverage if any of the following apply to your household or lifestyle:

• You have a teenage driver.
• You own a dog.
• The children in the household have a trampoline.
• You have a swimming pool.
• You own rental property or properties.
• You employ household staff.
• You have a hot tub. 
• You host large gatherings or parties on your property. 

Typically to be eligible for an umbrella policy your insurance company may require you to purchase and maintain specific minimum underlying liability limits on your original home or auto insurance.  Not all insurance companies offer this kind of policy. Visit us to start your search for an umbrella policy then in the El Centro, CA area contact an agent at Armorcrest Insurance Services who can help you purchase the right umbrella policy.  Anyone in need of extra coverage to pay expenses the usual policy will not pay should ask about an umbrella policy.