'Insurance Services' Category
What If Your Chimney Fell On Your Neighbor? Cover Yourself With An Umbrella!
June 8th, 2009 Categories: Escondido, Insurance Services, Moving Tips & Advice, Rancho Bernardo
What if your chimney fell on your neighbor, injuring him and ruining his expensive sports car, and you wind up facing a $500,000 judgment? If your homeowner’s policy pays a maximum $300,000 for liability, you would be in a tight spot. Where will the rest come from – future earnings, selling your home, forfeiting an inheritance? 
One way to help protect your assets from settlements that exceed the coverage limits of your homeowner’s and auto policies is to purchase personal umbrella liability insurance.
An umbrella policy gets its name because it provides an extra layer of protection in the event you exceed the maximum limits of your other liability insurance. Umbrella policies are usually sold in increments of $1 million, and they typically require deductibles equal to the coverage limits on your homeowner’s and auto policies.
Not Just for the Rich
Juries typically don’t take into account a defendant’s ability to pay when deciding the amount of an award, so exposure to risk can affect people at all income levels. Just having a swimming pool or a teenager could expose you to additional risk. If you don’t have enough liability coverage to resolve a claim or a lawsuit, the plaintiff could go after your house or other assets.
Not Just for Home or Auto
Many umbrella policies include coverage for things excluded on standard auto, renter’s, and homeowner’s policies such as libel, slander, invasion of privacy, defamation of character, or other personal injuries. Some umbrella policies also provide coverage if you face personal liability arising from your service as a board member of a civic, charitable, or religious organization.
When you review your insurance coverage, consider the added protection an umbrella liability policy can offer. A policy can be designed to fit your particular situation and potentially grow with you and your family.
If you would like additional information on umbrella coverage and to get a free no obligation quote, please call me at 760-466-1588. I’m available to discuss your situation and help you get the coverage right. You can also email me at jdobson@jblpremier.com.
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HotOnSanDiego Now Brings You Homeowners Insurance
February 15th, 2009 Categories: 4S Ranch, Brookside Escondido, Carlsbad, Escondido, Insurance Services, Rancho Bernardo, Real Estate News, San Diego, San Marcos
In our quest to constantly affiliate ourselves with the best companies who enhance our homeownership experience, HotOnSanDiego is proud to announce our affiliation with JBL Premier Insurance Services.
JBL Premier Insurance Services is an innovation driven, full service insurance brokerage formed to service the needs of the public and the real estate industry at large.
JBL Premier sells all lines of insurance, including personal lines products such as auto, home, business, and inland marine to clients throughout California.
JBL Premier provides those clients-without charge-information and access to other professional services related to homeownership through Preferred Partners in the real estate industry that will enhance their home occupancy experience. They represent many of the finest independent insurance companies in America including Travelers, Safeco, Kemper, Progressive and dozens of others.
If your home or auto insurance is coming up for renewal, we strongly suggest you call or email JBL Premier for your quote today.
Call JBL Premier Insurance at 760-466-1588 or email Service@JBLPremier.com
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