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We specialize in one-on-one account development and insurance coverage for each and every client. We are dedicated to assisting our clients in the selection of their insurance coverage and the many choices of companies and options we can offer. At Kvale Insurance, we understand that what we do is much more than just a business. Every day, we make sure that you, your loved ones and your property are being protected in every way possible. Let us give you the peace of mind that you need in order to live your life to the fullest... read more
1425 W 5 St Suite 2, Waterloo, LA, 50702, United States
Get directionsWeekday | Schedule | Status |
---|---|---|
Mon | 8:30 a.m. to 5:30 p.m. | |
Tue | 8:30 a.m. to 5:30 p.m. | |
Wed | 8:30 a.m. to 5:30 p.m. | |
Thu | 8:30 a.m. to 5:30 p.m. | |
Fri | 8:30 a.m. to 5:30 p.m. | |
Sat | Closed | |
Sun | Closed |
Even if you have extensive homeowner’s and automobile insurance, they have limitations and if you have not updated them, those limits may be less than you realize. An umbrella policy picks up when your regular insurance runs out, protecting your financial portfolio.
A common myth about umbrella insurance is that it carries a hefty price tag – but actually umbrella insurance is some of the most affordable liability insurance you can get, with an average cost of only a few hundred dollars a year.
There are some events that are not typically covered by liability insurance. For example, neither libel nor slander is usually covered. If you become an active blogger on different topics, an umbrella policy to protect against libel or slander actions could become crucial.
In most cases, you must have a minimum amount of liability coverage—usually at least $250,000 on your auto policy and $300,000 on your homeowners’ policy—to add umbrella insurance.
What is a deductible? That’s the amount of money you pay out of pocket before the insurance company handles your claim. Check with your insurance expert for options and how they affect the cost of your policy.
Do you already have an umbrella policy? This is great news, but most people’s financial situation changes yearly, so it might no longer be enough. An insurance expert can go over your current financial status to help you find the right umbrella policy.
If you are a small business owner, additional umbrella insurance – which is a type of liability insurance - can help to ensure that your business is safe in the event of accident or lawsuit costs exceeding the coverage of your regular insurance policy.
Keep in mind that most insurers offering umbrella coverage require the insured to have a certain level of liability limits on auto and homeowners policies. Speak to your agent to find out what these requirements are.
Umbrella insurance can be a way to protect a business as well as your home and possessions. Do you have a small business that you operate out of your home? Imagine what could happen if a customer is injured on your property.
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Kvale Insurance is closed now. It will open tomorrow at 8:30 a.m.
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