When should I get umbrella insurance?

Having proper liability insurance is something that all people need to take seriously. One form of insurance that someone in the Napa, CA area may need to have is umbrella insurance. There are several situations when someone should get an umbrella insurance policy to provide more liability coverage. 

When You Want More Coverage

Getting an umbrella insurance policy is a great option for anyone that wants to have more personal liability insurance coverage. Most people are going to receive some coverage through their home and auto insurance policies. However, this may not be enough for situations when there is a bad accident. Fortunately, you can get even more coverage for liability protection when you get umbrella coverage. This coverage will come into play if the damages you are responsible for exceed the limits of your other policies. 

Coverage for More Situations

You may also want an umbrella insurance policy because it will provide you with coverage for more situations. A home or auto insurance policy is going to give you coverage for a lot of situations that have liability risk. However, they are not inclusive of all scenarios that could result in personal liability. An umbrella insurance policy will be more inclusive to cover more situations that could result in a claim. 

When you want to get an umbrella insurance policy in the Napa, CA area, it is important to speak with someone that you can trust. For those that are in this area, Wine Valley Insurance Services is a great company to reach out to. When you speak with the insurance team at the Wine Valley Insurance Services, you can learn more about how umbrella insurance can protect you. They can then help you to get into the right policy for your situation. 

Does Renter’s Insurance Protect You While You Travel?

Renter’s insurance has much to offer individuals who are renting a home, condo or apartment. Through renter’s insurance coverage, you can protect your goods against theft or damage from fire, vandalism or other disasters. Renter’s insurance also protects you against liability claims if someone is hurt on your property. But did you know that a renter’s policy from Wine Valley Insurance Services in Napa, CA can also protect you while you travel? Here’s what you can expect from your coverage as you travel for the holidays.

Liability Protection When Traveling

Renter’s liability coverage protects you as you travel, whether you’re on vacation or visiting relatives for the holidays. If you accidentally hurt someone during a friendly game of sports at Aunt May’s house or your kids break a glass coffee table at the hotel you’re staying in during holiday travels, your renter’s liability protection will help pay for medical costs or damages.  

Personal Property Protection When Traveling

Renter’s insurance protects your goods while you’re traveling against theft or loss. If your laptop is stolen at the airport during holiday travels, renter’s property coverage will help cover replacement costs. If your goods are damaged or stolen from your hotel room while on vacation, renter’s property insurance has your back, saving you hundreds or thousands of dollars out-of-pocket.   

If a fire breaks out in your rental home while you’re traveling for the holidays and destroys all that you own, renter’s insurance will help reimburse you for your loss. Talk to your Wine Valley Insurance agent about replacement cost coverage or an insurance rider to fully protect pricey items against damage or loss.

As you can see, there’s more to renter’s insurance than meets the eye. To learn more about coverage options and costs, call or visit us at Wine Valley Insurance Services in Napa, CA.

Why you should get an umbrella insurance policy

Living in the Napa, CA area is an amazing experience. Similar to any other area, residents of Napa need to make sure that they have proper insurance in place at all times. One type of insurance that you should consider getting is umbrella insurance. This is a type of personal liability insurance that will protect you against many forms of liabiltiy. There are many reasons why you need to have an umbrella insurance policy. 

Gives You Extra Coverage

Most people in the Napa area will have some level of liability insurance through their car or home policies. These types of policies will come with some type of liabiltiy coverage. While this could cover many different accidents, some more significant accidents could result in damages that are in excess of your base limits. Your umbrella policy will protect you in these situations. 

Covers More Situations

Having umbrella insurance is also very important and valuable because it will cover more situations than your base policies. An umbrella insurance policy will give you liability coverage for virtually any situation in which you could be found liable. This ensures that you will have much more inclusive coverage than when compared to a base home or auto insurance policy that has more limited forms of consumer liability insurance coverage. 

For those that are in the Napa, CA area, having umbrella insurance is very important. Due to this, you need to make sure that you have the right coverage at all times. The insurance team at Wine Valley Insurance Services can help you do just that. Because of this, you should call Wine Valley Insurance Services today to make sure that you have the right type and level of coverage to ensure you are properly covered by liability. 

Do You Need Renter’s Insurance?

Renter’s insurance protects people who rent homes or apartments. It helps cover their property in the event it’s damaged. Wine Valley Insurance Services, serving Napa, CA and the surrounding region, helps people determine if they need renter’s insurance and how much of it they need. 

Landlord Might Require It 
Some landlords may require you to have renter’s insurance. Although landlords have insurance that protects their home’s structure and the property, their insurance does nothing to protect your belongings if something should happen. Landlords require it, so they don’t have any obligations to you. In some cases, a landlord’s insurance company may require any tenants of the building to have renter’s insurance. 

Affording the Replacement of Your Stuff

Assess how much your stuff costs. Now, you have to think about how much you have in savings to replace your belongings. If you don’t have enough to cover everything you need, you could find yourself not having furniture and other items until you can save up for it.

Discuss Liability Insurance  

You have to take into consideration if someone gets hurt on your property. Although you don’t own it, you do have to make sure it’s safe for other people to venture on. Therefore, you should discuss with an agent if renter’s insurance covers liability for you as well as people who visit your residence. 

Extras

Although insurance policies aren’t all the same, they often include added insurance benefits outside of covering your property and for liability. It’s important to inquire because some policies will cover your belongings when you travel with them.  

Get a quote for renter’s insurance and discover if you could benefit from it by contacting Wine Valley Insurance Services, serving Napa, CA and the surrounding region, by calling us at 707-226-8604. 

 

Does Umbrella Insurance Cover Vehicle’s On The Property?

If you have assets that exceed the face value amount of either auto or home insurance, you can choose to make an umbrella insurance policy purchase to eliminate the gaps in coverage and give adequate protection in each situation. Learn how umbrella insurance can give you the flexible coverage you need to ensure your asset’s protection from hazards. 

Umbrella Coverage For Automobiles

People may purchase umbrella insurance for their property or their automobile, but it provides liability coverage only. This type of insurance is ideal for people who have a situation that may put them at excessive risk for liability issues. If you are considering purchasing umbrella insurance, or aren’t sure if your situation warrants securing this type of coverage, you should consult with an agent with extensive experience with umbrella coverage. 

Discover Options

You must first determine if your situation warrants the necessity of umbrella coverage, and then you need to find the right policy to fit your specific situation. The assistance of an insurance professional will give you the answers you need and the options that provide coverage without gaps. If you live in or around Napa, CA, you should consult with Wine Valley Insurance Services to get the information you need to make wise insurance decisions.

Don’t risk having excess liability that can mean personal loss. Get the experience and know-how from the experts at Wine Valley Insurance Services serving the residents of Napa, CA. Call or stop by the office today to speak with an agent or schedule an appointment for a consultation where you can ask questions and find out more about what umbrella insurance has to offer. 

Some motorcycle safety tips

A motorcycle can be one of the most fun rides around. No experience is quite like riding on the open road with the wind on your face, and all of that power humming beneath you. However, as Wine Valley Insurance Services, serving Napa, CA explains, you should be especially conscious about your safety when riding a motorcycle.

The first thing you should do is to take a motorcycle safety course. You’ll learn about traffic laws that apply to motorcyclists and what to do in an emergency. You will also get to practice your riding skills in a controlled environment.

You should keep your motorcycle properly inspected and make sure before every ride that your lights, horns, and signals are working properly. Keep your brakes and tires well maintained.

You should also wear the right gear before going out on the open road. A helmet is necessary, to keep you from suffering a severe brain injury if you have an accident. Wear long, heavy pants and sturdy shoes or boots. Also, while leather or heavy denim jacket looks pretty cool, it will also provide some protection if you suffer a mishap. Wear gloves, as well.

Drive defensively, good advice when in any motor vehicle, and certainly so when you’re on a motorcycle. Always be aware of your situation, especially where other vehicles and road hazards are concerned. In a car accident the vehicle body, seat belts, and airbags provide considerable protection that is not available on a motorcycle. Maintain proper speed, and obey all of the traffic laws. Do not try any stupid stunts.

For any questions regarding motorcycle insurance feel free to contact Wine Valley Insurance Services, serving Napa, CA.

What does my boat insurance policy cover?

Whether you are a veteran boater or a new boat owner in Napa, CA, a boat insurance cover is essential as it covers you in case of an accident in the waters. When involved in an accident, you are likely to undergo some loss, damage or injuries on yourself and other occupants.

At Wine Valley Insurance Services, we provide you with all the necessary information you need to know before purchasing marine insurance or boat insurance. Many new boaters assume that their homeowners or car insurance will magically stretch to cover their boats, which sadly is never the case.

What does boat insurance cover?

Boat insurance typically has similar coverages like auto and home insurance. For instance, like car insurance, boat insurances protect you from a bodily injury that your boat may have inflicted on other boaters, property damage that your boat may have caused at the docks or on other vessels and any physical damage in case your boat has been damaged when you hit an object in the water.

Similarly, like home insurance, boat policy covers for liability when someone gets accidentally injured in your craft. Boat insurance compensates for the expenses incurred after the incident.

Other types of coverages include uninsured and underinsured watercraft coverage where if an insured boater collides with your watercraft and injures you or any of your passengers, your boat policy may help pay for the injuries irrespective of who was at fault. The same applies to underinsured watercraft.

Sometimes, your boat may sink and disappear or get stolen, burn or destroyed by storms. Comprehensive insurance ensures that your boat is compensated in case of these unfortunate incidences.

To learn more about boat insurance, quotes or other policies, visit us at Wine Valley Insurance Services in Napa, CA today.

 

When is renters insurance required?

Moving into a new rental apartment or another home in the Napa, CA area is a very exciting time. When you are moving into a new property, you will need to make sure that you have the right insurance in place. For many renters, it will be required in a variety of situations to carry renters insurance at all times. 

Required Under the Lease

Due to the benefits that a renters insurance policy provides, your landlord will undoubtedly require that you carry insurance at all times. When you have renters insurance in place, you will receive coverage for your liability and for your personal assets. The landlord may even require you to provide evidence that you purchased a renters insurance policy in place. If you do not have renters insurance in place, it could lead to a violation under your lease agreement. This will give your landlord the right to assess penalties or even have you evicted from your home. 

When You Have Assets that Require Insurance

Beyond having to stay in compliance with your lease, you also need to have renters insurance if you have valuable assets that need to be protected. If you purchased expensive furniture, electronics, or other items and took out a loan, you may be required to carry insurance to protect your assets. A renters insurance policy will provide you with protection for your personal assets. 

When you are moving into a new rental in the Napa, CA area, you likely will be required to carry renters insurance. When you are looking to get a new renters insurance policy, you should speak with the team at Wine Valley Insurance Services. When you speak with the professionals at Wine Valley Insurance Services, you will learn more about how renters insurance could protect you. 

Renting May Be Easier Than Owning but Don’t Let A Lack of Insurance Complicate Your Life

Don’t Leave Acquiring Renters Insurance Off Of Your List 

Currently, you rent your home, so there are a lot of things you can leave off of your list. Most likely you do not have to cover the overall maintenance of your home which frees up a substantial amount of time and money. However, we urge you not to leave a great renter’s insurance policy off of your MUST HAVE list. Lessened property responsibility does not equal less vulnerability. You still need an adequate and appropriate insurance policy to protect your property and it may be required by your landlord in most situations.

Renters, like homeowners, face the possibility of getting property taken in a robbery. Criminal activity is not the only culprit. Severe weather conditions or environmental hazards can also have a renter seeing his or her property being damaged or completely lost. Come in to Wine Valley Insurance Services today to speak with an agent who has experience in protecting the things you work hard for.  

We can offer liability and property coverage through our renter’s insurance policies that will not be covered by your landlord. Make an inventory of your belongings to make this process even easier!

Napa, CA is Known For Its Vineyards – Lets Add Quality Comprehensive Insurance Agencies to the List

Before you move into your rented apartment or other property make it a priority to stop into  Wine Valley Insurance Services in Napa, CA. Contact us by phone at 707-226-8604. Our team members take pride in the fact that we cater to many facets of our clients insurance liabilities. In addition to assisting renter’s in protecting their lifestyle, we provide auto, home, commercial. life, health, condo, toy, and umbrella insurance coverage. Contact us today. 

Factors to Consider When Shopping for Umbrella Insurance

We live in a litigious society, and considering no one is perfect, you can avoid financial ruin by acquiring umbrella insurance with Wine Valley Insurance Services. Umbrella insurance is meant to offer extra liability protection beyond your standard auto, home, boat or other types of coverage. It also covers claims that may be excluded by your other liability policies.

Having excess liability insurance may not be compulsory in Napa, CA, however, without it, you may have to dig into your pocket to cover the extra liability costs from severe accidents and huge lawsuits. Here are a few factors to consider when shopping for umbrella insurance:

Current coverage

Umbrella insurance only comes in after your primary policies have been exhausted. That’s why it’s important to evaluate your policies while focusing on coverage limits. Use your current coverage amounts as a baseline to build from.

The amount of extra insurance you can afford

Having umbrella insurance might mean paying higher premiums on your standard policies. This is because most insurance providers will require policyholders to raise their coverage and deductibles. So, ensure you determine how much extra insurance you can afford before committing.

Assets

The amount of umbrella coverage dramatically depends on what you’ve got to lose. When shopping for umbrella insurance, focus on the value of your assets, which includes retirement, savings, stocks, etc. Umbrella insurance is meant to safeguard your financial future, therefore, choose a policy that compares to your assets as well as your future financial projections.

Risks

The type of risks you are taking also offers an idea of how much coverage you need. An elevated accident risk, such as homes with pools, can naturally increase your chances of getting sued. Therefore, the higher the risk, the more umbrella coverage you need.

At Wine Valley Insurance Services, we ensure residents of Napa, CA don’t have to liquidate their precious assets due to unexpected lawsuits. For more information, get in touch with us today!