irvinehusky
New member
LOL, yes, maybe. But with the motor court, and the Irvine lead foot, they might run over neighbors while backing out the 5 yard court? 
The California Court Company said:
Umbrella Insurance
- Thread starter gld2
- Start date
NEW -> Contingent Buyer Assistance Program
1 - the umbrella is a rider to your existing policies to just increase the coverage. So if your underlying home owners policy covers for dog bites then your umbrella also covers dog bites. For dogs to be excluded there likely was a dog bite claim against the policy.
Regarding the second question, the owners insurance and umbrella cover the incidents at the house (injuries, etc). So the house is covered, not the people.
we all know only spider bites will transfer powers
this was actually when we lived in irvine. old chinese guy. offered him $500 to call it a day. lawyered up thinking he was going to get rich. 6-7 months later he got 3K. but he had to work for it. was going to physical therapy etc from the whiplash he says he incurred from turning around so quickly after the dog bit him.
yeah. ill have to ask my agent, who is my buddies wife, to see how long the "biter" designation lasts in the insurance databases. even when i was trying to get a quote from geico i think just to make sure my farmers insurance was competitive, geico wouldnt even give me a quote because of the dog bite.
qwerty
Well-known member
yaliu07 said:
1 - the umbrella is a rider to your existing policies to just increase the coverage. So if your underlying home owners policy covers for dog bites then your umbrella also covers dog bites. For dogs to be excluded there likely was a dog bite claim against the policy.
Regarding the second question, the owners insurance and umbrella cover the incidents at the house (injuries, etc). So the house is covered, not the people.
qwerty
Well-known member
That is correct. I know this because my dog bit someone. He sued even though I offered him money - they got about 3 grand. Dog barely broke the skin, was more of a scratch because the bite was over pants. Now my homeowners excludes dogs/bites. So my umbrella excludes dogs/bites. It could vary by insurer but I doubt it
qwerty
Well-known member
ps9 said:
we all know only spider bites will transfer powers
this was actually when we lived in irvine. old chinese guy. offered him $500 to call it a day. lawyered up thinking he was going to get rich. 6-7 months later he got 3K. but he had to work for it. was going to physical therapy etc from the whiplash he says he incurred from turning around so quickly after the dog bit him.
qwerty
Well-known member
ps9 said:
yeah. ill have to ask my agent, who is my buddies wife, to see how long the "biter" designation lasts in the insurance databases. even when i was trying to get a quote from geico i think just to make sure my farmers insurance was competitive, geico wouldnt even give me a quote because of the dog bite.
irvinehomeowner
Well-known member
No wonder you moved out of Irvine.
Control your pack Qwerter Millan!
Control your pack Qwerter Millan!
It's good have have umbrella for additional protection. I think it's worth it, especially when you have properties that cannot be transferred out of your name easily as someone else mentioned.
Yes Safeco had me max out auto liability limit to $500,000 and with a 1M umbrella, you're covered for 1.5M. Higher the better. It's better to have more coverage then not enough
Yes Safeco had me max out auto liability limit to $500,000 and with a 1M umbrella, you're covered for 1.5M. Higher the better. It's better to have more coverage then not enough
ps99472
New member
Just got a quote for $292/year for $2 million for my umbrella policy. Ameriprise thru Costco. Also have my homeowners and auto with them. Auto liability is maxed at $250k/500k. So $300 per year for some $2 million+ peace of mind. Seems cheap. Make sure I don't run over Kobe and I'll be ok.
$1 million is at $195.
$1 million is at $195.