Yuliya Shekhtman. Home 🏡 , condo, car 🚗 ,
Umbrella ☂ Insurance
Commercial insurance (big market) 🏢🖥
Full Service Insurance Agency
Tel: 323-410-7070 http://www.ysins.net/
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Many people got confuse with deadline for off exchange health insurance plans. Here are the dead lines as of this moment for plans that off market (not covered California): BlueShield 12/21/18 for January 1st effective date and 01/15/2019 for February 1st effective date
Kaiser 12/15/2018 for Jan 1st eff. date and 01/15/2019 for February 1st effective date
Oscar 12/31/2018 for Jan 1st eff. date and 01/31/2019 for February 1st effective date
HealthNet 12/21/18 for January 1st effective date and 01/15/2019 for February 1st effective date
309 hours ago
Great news! Blueshield just extended their dead line for new application to December 21st!
Do You Need Umbrella Insurance? What Is It and How Can It Help You?
What is Umbrella Insurance?
Umbrella insurance is a secondary type of liability insurance that covers your personal liability. Also known as a personal excess liability insurance policy, this type of policy is not a stand alone policy which is why it is known as a secondary policy. Umbrella insurance gives you added liability protection for lawsuits, and claims that rise against you. It is an inexpensive way to protect your financial future or established assets.
Personal Umbrella Insurance kicks in when your base policy liability limit is not enough. It protects you above and beyond the limits on your homeowners or condo insurance, car insurance, watercraft or other personal insurance policies.
Why Do You Need Liability Insurance If You Have Umbrella Liability Insurance?
Umbrella insurance is a secondary form of insurance, that requires a primary policy, or an underlying liability policy to first pay out on a claim before umbrella liability coverage becomes effective.
For example, a home insurance policy provides the primary liability for a loss, once the amount of money in the homeowner personal liability is exhausted or maxed out, then the umbrella insurance kicks in. Umbrella insurance may also be referred to as excess liability insurance.
What Does Umbrella Insurance Cover?
Umbrella liability insurance can protect you from:
litigation arising from property damage, injury
associated legal defense costs if you get sued for damages to other people's property or injuries.
Do I Need Umbrella Insurance?
Today, lawsuits are everywhere. Lawyers are awarding larger amounts of money than ever.
Homeowners, auto, and watercraft policies have a limit on liability insurance. Liability insurance is the portion of a homeowners or auto policy that pays for expenses such as:an injured person's: - medical bills
- rehabilitative therapy,
- lost wages due to the negligence of the at fault person.