Category: Insurance

Your car and home are most people’s biggest investments and must be protected. When a serious accident happens, it pays to have the right insurance policies. If you don’t have enough insurance, it can cost you so much that your assets will be in danger. To get an umbrella insurance policy, give us a call today at Wai Cheng Insurance Inc. in Bay Area, CA.

Home, Auto, and Umbrella Insurance 

It’s always important to have home and auto policies to protect your assets. These will pay out in case of an accident that happens and causes injuries. When you have these two policies, however, they may not have much liability protection in them. When this is the case, you could be in financial danger in case of an accident. If an accident happened in your home or with your vehicle, it could cost you far more than the liability coverage you have. To keep this from happening, you need umbrella insurance. 

How Umbrella Insurance Works

When you already have your home and auto policies, you need an umbrella policy to add more coverage. It adds a thick layer of protection to your liability coverage so that you won’t have many overages after your home or auto policy reaches its maximum payout. With umbrella insurance, the policy comes in after the home or auto policy has maxed out to pay any medical bills that are still left to pay. Umbrella insurance doesn’t cost much and comes with an enormous maximum payout. 

Get Umbrella Insurance

If you own a home and vehicle, you may not be as well-protected as you think. It’s a good idea to get umbrella insurance to protect yourself. Call us at Wai Cheng Insurance Inc. in Bay Area, CA, to find out more. 

Running a haunted house in the Bay Area, CA can be a fun and profitable experience when done properly. At Wai Cheng Insurance Inc., we can provide you with the insurance help that you need to make sure that your facility is properly protected and safe from any financial issues.

Home Insurance May Not Cover Your Needs 

If your haunted house is a real home (even one in which you live), your current homeowner’s policy might not be good enough. That’s because your liability is negated when you ask for entrance fees. Furthermore, any haunted houses or scary facilities that aren’t real homes can’t have this policy type.

That’s because home insurance coverage can’t apply to a non-residential home. Even if the facility you own is a house, if it’s used primarily for commercial purposes, a standard residential policy is not applicable. Instead, it’s important to upgrade to commercial protection to keep yourself safe.

You’ll Need Commercial Coverage 

A commercial insurance policy can help you with haunted houses by providing things like liability protection. Liability is particularly important because it pays for injuries or damage to others in your house. Other protection, like comprehensive policies, can pay for damage to the house itself.

It’s important to make sure that you consider the potential risk of making your haunted house "interactive." By this, we mean actively trying to scare people with actors and performers. If you go this route, umbrella policies might be essential to mitigate potentially high liability dangers.

Schedule A Consultation Today

Our team at Wai Cheng Insurance Inc. can help you get the coverage you need for your fun haunted house. It’s important that your Bay Area, CA asset gets this protection to ensure that you don’t experience any liability or damage problems, so make sure you call us today to get help right away!

While living in California is a dream for many Americans, there are also a few downsides to living in the Golden State. California is prone to natural disasters like earthquakes and wildfires that can wipe out a family’s home and bank accounts– in an instant. Umbrella Insurance can add an extra layer of insurance coverage that can mitigate risk and help reduce out-of-pocket expenses caused by natural disasters. 

Having the right umbrella insurance policy in place can help Californians shield their wallets against unexpected out-of-pocket expenses that can devastate their personal finances. 

A licensed insurance agent at Wai Cheng Insurance Inc. in Bay Area, CA can provide the best information about how to add umbrella insurance coverage to your existing home insurance or automobile policies in California. 

Why Umbrella Insurance is a Must-Have for Californians

Damage to homes and property are primary reasons why more Californians are opting to boost their insurance coverage by getting umbrella insurance.

Recovering from the damaging effects of a total loss of a home or property can take years without the right insurance in place. Loss of valuables, nearby property damage, and other legal liabilities that stem from natural disasters and other related perils are additional reasons why having umbrella insurance is crucial for people living in high-risk areas. 

Don’t get caught without umbrella insurance! 

Talk to a knowledgeable and friendly umbrella insurance agent at Wai Cheng Insurance Inc. in Bay Area, CA instead. Our licensed agents and supporting insurance team can help you and your family make the best decisions about choosing an umbrella insurance policy as an add-on to your existing insurance policy. 

Contact an agent today to learn about your coverage options and get a free quote!