Siskiyou Insurance Services, Inc.

Property Damage Liability Insurance is usually associated with auto insurance. This type of insurance provides coverage for damages you cause to other property. If you were to get into an accident with your vehicle and damage someone elses property, the liability coverage under your auto policy would pay for the repair or replacement of the things you damaged other than your car.

In California, drivers are required to purchase a minimum of $5000 worth of property damage liability coverage with your auto policy. To be completely covered you would want to get enough insurance to cover the cost of repairing or replacing the others party's car or personal property.

In principle, the more assets you own, the more insurance you should have to cover any potential losses. Siskiyou Insurance will help you determine what amount of property damage liability insurance you should have. If you do not have enough liability insurance, then you may have to make up the difference out of your own pocket or someone else's.

If you are in a serious accident and only have the minimum amount of coverage required by the state, your insurance policy may not cover all the costs of the accident. You need to have both bodily injury and property damage insurance to cover yourself in the event of an accident. Damage claims can be large so be sure you have enough coverage to protect your other assets in the event of a large and serious accident.

Siskiyou Insurance can answer all your questions regarding Personal Property Liability Insurance. Call their office today at 530-224-2345.

Personal Umbrella

In today's litigious society it is important to have your assets properly covered by insurance. If you cause harm beyond your insurance limits for say a car accident, you do not want your house, land, boat, motorcycle or any of your important property to be at risk. If you were to be sued and received a judgment against you, these assets could be at jeopardy so it is crucial to have enough insurance to cover your legal liability.

To cover your legal responsibilities, a personal umbrella liability insurance policy can help protect you. An umbrella policy is supplemental coverage to be added onto the auto and home insurance that you already carry. There are misconceptions that umbrella policies are only for the wealthy but they are not. Any person or family that has assets to lose can obtain a policy to protect their property.

Umbrella policies are a lot like the product they are named after. They can provide you a lot of shelter from a storm but you still may get wet. This means that even if you get a high end personal liability umbrella policy, it cannot protect you and your dependents against every potential lawsuit or claim against you.