California Umbrella Insurance

They Want More Because You Have More

In our society, three things work against you:

  • It cost nothing to initiate a lawsuit
  • Juries and judges are unpredictable
  • Defending yourself costs enormous sums of money

    One other factor also comes into play: They want more because you have it

    You have worked hard all of your life - you are continuing to do so - and now you are generating a decent income, you are starting to put some money and invest it, and you have a few toys to enjoy on weekends and vacations (remember them?).  You did it; you are feeling proud about your accomplishments and looking forward to more of them. 

    Along the way, you protected your growing wealth with what were, at the time, adequate limits for most types of every day claims. But now, you recognize that you need to up your game and get more - and better - protection:  You want an umbrella insurance policy.

    How much insurance do you have on your home(s) and cars: $100,000?  $300,000? $500,000?  It’s just not enough anymore.

    What if you get into a serious auto accident?  Or, someone falls into your pool?  Or, what if you 25 pound dog gets scared by a child's quick movements and bites the child on the face?  Whatever the fluke occurrence, you can and will likely be sued.  What if you are sued for $787,000 and you lose?  Okay, you say, the insurance will cover it - but do you have enough protection?

    Insurance companies are not in business to be nice; they are in business to perform as advertised.  And, they will defend you to the best of their abilities.  HOWEVER, if they decide - in their large claims committee meetings - that your claim is going to require the policy's full limits and then some, they are not going to keep defending you and needlessly spend more money when they can simply cut their losses and pay out your entire policy's limits . . . . and then they can just walk away.  They have honored their contract.

    And, when they leave, your legal team goes with them.  What is left for you is to deal with the remainder of the claim and of the lawsuit.  

    How will you pay the judgment? How will you even defend yourself in the continuation of such a lawsuit?  Can you actually lose all you have striven for? You bet you can.

    So, you need protection that will continue to defend and protect you after your initial policy's limits are exhausted and that will keep your lawyers in the game. You need Umbrella protection.

    Contact us at 562-594-6541, the insurance pros at Huggins Dreckman Insurance. Discover how little the cost is for this invaluable policy which will provide you with gigantic protection!

    Huggins Dreckman Insurance

    At Huggins Dreckman Insurance, we have provided umbrella protection for people in Seal Beach, Los Alamitos, and all over California and the country since 1968. We know how to protect your assets. Now you will too!

    Don’t spend another sleepless night worrying about losing all you've got. Take out an umbrella policy!  Contact us today for a free, no obligation umbrella protection quote.  And, here is some great information about how well you can be protected with Safeco's Umbrella.  There are a lot of good umbrella forms out there, but they are definitely not all the same.  Safeco's is one of the best!