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A Personal Umbrella Can Add Coverage To Your California Home Insurance

A Personal Umbrella Can Add Coverage To Your California Home Insurance



One of the most affordable insurance policies you can have, will protect you for more than the existing policies you already have? A Personal Umbrella insurance policy with two vehicles and one house can cost less than $225 in annual premium and will pay out $1,000,000 of additional liability coverage if the need arises. Your CA life insurance policy may cover alot, but with the sue-happy people in society today, its important to have the proper coverage!


The frequency and cost of lawsuits have grown dramatically in the past decade.  The following are examples of unique claims that happen on a daily basis:

  • Faulty Furnace: The insured’s tenant claims she became ill from carbon monoxide poisoning resulting from a faulty furnace.  The tenant claimed permanent brain damage and demanded $750,000.
  • Internet Blogger: “The insured’s daughter hated math class as well as the teacher.  The daughter made several “disparaging” remarks about her teacher online.  The teacher successfully sued the parents for $750,000.
  • Coaching Circumstances:  A teenager, who was destined for greatness as a softball player, filed a $700,000 lawsuit against her former coach, alleging his “incorrect” teaching style ruined her chances for an athletic scholarship.

This CRAZY stuff really happens in our society today, and we cannot be too careful about how we choose to protect ourselves!


Your family and your daily activities result in lawsuit exposures every day.  You should consider purchasing a Personal Umbrella policy if:

  • Your personal assets are greater than your insurance liability limits.
  • You are financially responsible for children, young or old.
  • You frequently host guests or dinner parties on your property.
  • Your residence included a swimming pool, spa or diving board.
  • You own personal watercraft, a boat or off-road vehicles. 
  • You own rental or vacation properties across the United States. 
  • You participate in volunteer activities in your community.

PERSONAL UMBRELLA INSURANCE…  Call Remland Insurance today for more details about adding a Personal Umbrella to your insurance coverage. Our office is waiting to help answer any of your questions at 714) 532-3341.

Photo Credit: Agency Sales Pro.


The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
As such, our offices will be available by phone or by e mail 8-5 Monday thru Friday. If you need to make an appointment to come by, please call us before you drop by, so we can reduce risk, and take care of our staff and just be safe.
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