When you live in the Napa, CA area, you are going to have access to many great local amenities. While Napa is a great place for anyone to live, those that are in this area do need to make sure they have the proper insurance to protect against a variety of risks. One type of insurance people here should get is umbrella insurance, which provides several forms of coverage. 

Umbrella Insurance Covers Significant Claims

A reason that people in the Napa area should get umbrella insurance is that it will cover significant claims. If you are ever found at fault for an accident that occurs in your home or while you are driving, you will have some coverage through your home or auto policies. However, if you are ever involved in an accident with significant damages, it is possible that the claims could exceed your policy limit. When you have an umbrella insurance policy, it will give coverage on top of your base insurance. 

Umbrella Insurance is Broad

While there are some risks that you can mitigate with insurance, there are other liability claim risks that are a lot harder to predict. When you get an umbrella insurance policy, it will include a much broader set of risks. This can include many risks that are not easily predictable or expected. Due to this, you should get an umbrella insurance policy as it will provide comfort that you are prepared for the unexpected. 

Those that are in the Napa, CA area should make sure they get proper insurance coverage. One type of insurance that you should get is umbrella insurance. When looking for insurance here, you should speak with Wine Valley Insurance Services. The insurance professionals with Wine Valley Insurance Services can help you get into a policy that provides ample protection and peace of mind. 

The Napa, CA area is a great place for anyone to live. There are many different recreational amenities in the area that could provide you with a lot of fun experiences. If you are going to move here, you should consider renting your property. If you do rent, you should get a renters insurance policy as it could protect you in several ways. 

Protects Renter’s Assets

One way that you can be protected by a renter’s insurance policy is by receiving coverage for your personal assets. While you may not own the home when you rent, you will still have a lot of personal belongings kept in your home. If there is ever a fire, theft, or other forms of loss, the financial loss could be significant. Fortunately, with a renters insurance policy, you will have the coverage that is needed to replace these items. 

Gives Liability Coverage

Another reason that you should get a renters insurance policy is that it can offer you liability coverage. When you are looking to rent a home, it is important to remember that you are responsible for people that come into your property. If someone is injured in your unit as a result of an accident or negligence, you could be held responsible and will need to pay for damages. Also, you could be responsible if you accidentally cause damage to your property or another unit in the same building. A renters insurance policy will include a provision for liability coverage.

Choosing a new renters insurance policy in the Napa, CA area is always a big decision. Due to this, you should call Wine Valley Insurance Services when you are looking for a new policy. When you call Wine Valley Insurance Services, the team can answer any of your questions and help you choose a quality policy. 

Protecting yourself and your loved ones always come first, which is why people buy insurance in Napa, CA. An excellent policy to add to your insurance policies is personal umbrella insurance. The coverages from personal umbrella insurance generally extend beyond the accidents that happen at home to other areas that concern you, such as the workplace. So, who else can benefit from your policy? Wine Valley Insurance Services will help you understand how you can share umbrella insurance with other people.

Pets

Most pets are covered under home insurance and umbrella insurance. For instance, if a dog breaks your neighbor’s window or damages their crops, your home insurance will cover the damages, and if home insurance is depleted, umbrella insurance comes in to sort the rest.

Your family members

The best part of umbrella insurance is that it protects you and your loved ones. Like home insurance, umbrella insurance covers your spouse, children, and other relatives living with you. Keep in mind that you need to utilize your homeowner’s insurance for umbrella insurance to come in. If your child hits and injures another child, your home insurance will pay the medical bills, but in case you are sued for the injuries, home insurance may not be adequate, and that is where umbrella insurance comes in to cover the lawsuit fees.

Your driver

If your car is driven by another authorized person other than you, then, in this case, they are covered as the driver just like you.  If they are hit by an uninsured motorist on the road, your auto insurance will help pay the driver’s medical bills, and if it is not enough, umbrella insurance will come in.

Note that not everything is covered by umbrella insurance, whether it is in or out of your home, your business and personal belongings are not covered. However, you can always talk to our agents at Wine Valley Insurance Services to be sure exactly who and what is included in your Napa, CA policy. Try us today!

The way it’s often phrased: Your landlord’s insurance covers the building, your renter’s insurance covers everything inside of it.

It’s a tidy way of explaining insurance responsibility in a tenant/landlord situation, but it can be a little misleading. Namely, because your property doesn’t have to be inside of your apartment to be covered.

Most renters insurance policies in Napa, CA are going to include some degree of off-premises insurance. This usually covers your property at up to around 50% the limits of your on-premises insurance, meaning that if something is stolen from your car or workplace, you’re probably going to be covered.

It’s important to update your inventory regularly, of course. If something is stolen from your car and you have no record of ever having owned it, your insurer has a good reason to deny the claim. But renters insurance, like home insurance, does cover your possessions even when they’re not within your dwelling.

Certain exceptions may be made, for instance, business equipment isn’t always covered, and you may need to go through your commercial insurance provider for that, or talk to your employer about filing a claim. And of course, you need to practice common sense. You don’t want to leave a brand new HDTV sitting in the back of the pick-up truck overnight. But by and large, if it’s covered inside the home, then it’s covered outside the home.

If you’re looking to get covered in Napa, CA, get in touch with us at Wine Valley Insurance Services. At Wine Valley Insurance Services we can compare several quotes from different providers in order to get you a good deal on a great insurance policy.

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. 

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.

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. 

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. 

 

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. 

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.