Haunted Houses and Other Scary Locales May Want Umbrella Insurance

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!

From Earthquakes to Wildfires: Why Umbrella Insurance is a Must-Have for Californians

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!