Peace of Mind For When The Unexpected Happens

Whenever a lawsuit is initiated against someone in Napa, CA, it can be a serious issue. Not only are physical damages declared, but intangible ones like emotional suffering as well. These can balloon to huge proportions. Worse still, the net worth of the individual being sued often determines just how big the balloon is going to be. What does a person do to protect themselves from absolute financial ruin following a lawsuit? The answer is umbrella insurance coverage.

Umbrella insurance coverage can offer safe shelter during life’s storms of litigation that flare up. Contact our independent agents at Wine Valley Insurance Services for a discussion of how an umbrella insurance policy can protect you and your assets from big lawsuits.

Not only can lawsuits cut into assets, but severe disaster scenarios can as well. If you have adequate home, car, or boat insurance, do you realize there are some things these insurance policies will not protect against? We can help you sort through that and get you the maximum coverage you need so that you have ample opportunity to rebuild your life.

Here in Napa, CA, we understand the unique challenges of California living. Whether it be an accusation of slander, or an expensive accident on the freeway, these lawsuits can spiral until they consume everything you have. Automobile accidents are a very common source of a lawsuit. No home owner’s insurance policy can cope with these situations, and neither can auto insurance.

Umbrella policies can cover not only large scale legal situations, but they extend beyond strictly home or auto- oriented insurance policies to fill in the gaps between those policies to give you the breathing room you need. Contact Wine Valley Insurance Services today and aim for solid coverage with no gaps.

Is Your Home Prepared for Summer?

With summer fast approaching, now would be a good time to start preparing your Napa, CA home for the influx of family and friends over the summer holidays. Here are a few suggestions to help you get started.

Professional Cleaning

Take advantage of summer discounts to have your windows, carpets, and gutters professionally cleaned before bringing in visitors this summer. Many companies offer discounts for cleaning services at this time of year, enabling you to benefit from a cleaner environment at reduced costs.

Service AC

Have your AC serviced to ensure it’s in good working condition before temperatures begin to climb. If your unit has become old and outdated, consider upgrading to a new model so you and your friends can enjoy a cool and comfortable home environment. Check and clean ceiling fans, as well. Doing this can help keep energy costs down.

Touch-up Painting

Do a little touch-up painting on doors and walls to cover scuff marks and scratches. A fresh coat of paint can do wonders to enhance your interior decor.

Revive Landscaping

Trim overgrown trees and shrubs and take the time to spruce up your yard. An attractive yard will give your home a more welcoming touch. If you’re having problems with ants or other insects, spray your home’s exterior to get rid of them before they overrun your property.

Update Home Insurance

Talk to your Wine Valley Insurance Services agent in Napa, CA about updating your home insurance policy. Make sure you have adequate property damage and liability coverage to cover unforeseen accidents that may occur while visitors are on your property. By discussing home insurance options and costs with a representative from Wine Valley Insurance Services, you can have greater assurance that you’re fully protected against any eventuality that may arise.