Page 6 January 20, 2022 EL SEGUNDO HERALD
Classifieds
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submitted in writing by mail, fax or email. You may pay by cash, check, or credit card (Visa or M/C over the phone).
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you have any doubts about the nature of a company, contact the local office of the Better Business Bureau, (213) 251-9696. Herald
Publications does not guarantee that the advertiser’s claims are true nor does it take responsibility for those claims.
Room for Rent
1 Bdrm, furnished or unfurnished.
Walking distance to Loyola University.
$795/month. 310.365.1481 or
310.641.2148.
Wanted
WANTED. Vinyl, records, vinyl,
anything musical. Collectibles/antiques.
Typewriters, sewing machines, military,
silver, Japan, records, stamps, coins,
jewelry, Chinese, ANYTHING. Buy/Sell/
Trade. We sell for you on EBAY. Studio
Antiques, El Segundo. 310.322.3895.
To appear in next week’s paper, submit
your Classifed Ad by Noon on Tuesday.
Late Ads will incur a $20.00 late fee.
Finance from page 4
What Is Umbrella Insurance?
A personal umbrella policy (PUP) offers
extra liability coverage beyond the limits of
your homeowners, auto or renters insurance.
After you reach the limits of other policies,
umbrella insurance kicks in so you don’t have
to pay for additional damages out of pocket.
Do You Need an Umbrella
Insurance Policy?
“Major liability can arise easier than you
might think,” says JJ Montanaro, Military
Affairs Director and Certified Financial
Planner professional.
“Let’s say you crash into and total a
$100,000 sports car driven by a heart surgeon
who, ... as a result, can’t go back to
work,” Montanaro says. “Or maybe there’s
a pool accident at your house. Or your dog
bites someone. It happens, and it can get
very expensive - even exceeding what your
auto or homeowners insurance would pay.”
Adding umbrella coverage can provide
a higher level of protection for your assets
and wages - as well as any loved ones in
your household.
A good rule of thumb is to have enough
liability protection to cover your net worth
- everything that you own minus everything
you owe. If your net worth exceeds your
limits on your auto and home insurance, get
an umbrella policy.
What Does an Umbrella
Policy Cover?
Umbrella policies typically offer four
general categories of coverage:
1) Bodily injury liability refers to the cost
of injuries to other people.
2) Property damage liability refers to the
cost of damage to another person’s property
caused by you or a member of your household.
3) Other personal liability covers other
types of claims beyond bodily injury and
property damage. If you’re sued for slander,
libel, pain and suffering, or lost wages, an
umbrella policy can help cover damages
and legal fees.
4) Landlord liability helps protect owners
of rental units against liability. For example,
an umbrella policy can help cover bodily injury
or property damage that occurs on your
rental property - or even by a tenant’s pet.
How Much Does Umbrella
Insurance Cost?
Believe it or not, umbrella insurance isn’t
expensive. Typically, you can get $1 million
of coverage for about $1 a day.
Keep in mind that some insurers will require
you to purchase a certain amount of liability
coverage on your underlying policies before
they’ll sell you an umbrella policy. According
to the Insurance Information Institute,
the typical requirement is about $250,000
of auto liability coverage and $300,000 of
liability insurance on your property policy.
Of course, the amount you pay will depend
on your financial situation and the amount
of coverage you need.
To learn more about the benefits of an
umbrella insurance policy, visit https://usaa.
com/umbrella. •
YOUR AD
HERE
CLASSIFIED ADS – ONLY $40
for twenty words or less.
Email class@heraldpublications.com
or call 310-322-1831 for more information.
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