{"id":3217,"date":"2017-08-22T10:58:44","date_gmt":"2017-08-22T10:58:44","guid":{"rendered":"https:\/\/new.robertbellinsurance.com\/?page_id=3217"},"modified":"2020-01-07T22:52:44","modified_gmt":"2020-01-07T22:52:44","slug":"insurance-personal","status":"publish","type":"page","link":"https:\/\/robertbellinsurance.com\/?page_id=3217","title":{"rendered":"Personal Insurance"},"content":{"rendered":"<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_1' class='avia-section main_color avia-section-large avia-no-border-styling avia-bg-style-scroll   container_wrap fullsize'   ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-3217'><div class='entry-content-wrapper clearfix'>\n<div style='padding-bottom:15px;color:#000000;font-size:40px;' class='av-special-heading av-special-heading-h1 custom-color-heading blockquote modern-quote modern-centered   av-inherit-size '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Personal Insurance Products<\/h1><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#000000'><\/div><\/div><\/div>\n<div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding first  \" style='border-radius:0px; '><\/div><div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding   \" style='border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><p style=\"text-align: center;\">Robert Bell Insurance Brokers offers the personal insurance products you need. Our professional agents will consult with you on the coverage and premiums that meet your specific needs. Feel free to get in touch or get a <a href=\"http:\/\/robertbellinsurance.ConsumerRateQuotes.com\/consumer\/default.aspx\">quote<\/a> today.<\/p>\n<\/div><\/section><br \/>\n<div style=' margin-top:15px; margin-bottom:15px;'  class='hr hr-custom hr-center hr-icon-no  '><span class='hr-inner   inner-border-av-border-fat' style=' width:50px; border-color:#000000;' ><span class='hr-inner-style'><\/span><\/span><\/div><\/p><\/div><div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding   \" style='border-radius:0px; '><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='plugins' class='av-tab-section-container entry-content-wrapper main_color av-tab-slide-transition   av-tab-above-content  container_wrap fullsize'   ><div class='av-tab-section-outer-container'><div class='av-tab-section-tab-title-container avia-tab-title-padding-none av-custom-tab-color' style='background-color:#f1f1f1; color:#919191; '><a href='#auto-insurance' data-av-tab-section-title='1' class='av-section-tab-title av-active-tab-title av-tab-no-icon av-tab-with-image noHover  '><img class='av-tab-section-image' src='https:\/\/robertbellinsurance.com\/wp-content\/uploads\/2017\/08\/Robert-Bell-Insurance-Tabs-Icons-Auto-1-180x180.png' alt='' title='' \/><span class='av-outer-tab-title'><span class='av-inner-tab-title'>Auto Insurance<\/span><\/span><span class='av-tab-arrow-container'><span><\/span><\/span><\/a><a href='#homeowner-insurance' data-av-tab-section-title='2' class='av-section-tab-title  av-tab-no-icon av-tab-with-image noHover  '><img class='av-tab-section-image' src='https:\/\/robertbellinsurance.com\/wp-content\/uploads\/2017\/08\/Robert-Bell-Insurance-FAQs-Icons-03-Homeowner-1-180x180.png' alt='' title='' \/><span class='av-outer-tab-title'><span class='av-inner-tab-title'>Homeowner Insurance<\/span><\/span><span class='av-tab-arrow-container'><span><\/span><\/span><\/a><a href='#recreational-vehicles' data-av-tab-section-title='3' class='av-section-tab-title  av-tab-no-icon av-tab-with-image noHover  '><img class='av-tab-section-image' src='https:\/\/robertbellinsurance.com\/wp-content\/uploads\/2017\/08\/Robert-Bell-Insurance-icon-Personal-RV-180x180.png' alt='' title='' \/><span class='av-outer-tab-title'><span class='av-inner-tab-title'>Recreational Vehicles<\/span><\/span><span class='av-tab-arrow-container'><span><\/span><\/span><\/a><a href='#personal-umbrella' data-av-tab-section-title='4' class='av-section-tab-title  av-tab-no-icon av-tab-with-image noHover  '><img class='av-tab-section-image' src='https:\/\/robertbellinsurance.com\/wp-content\/uploads\/2017\/08\/Robert-Bell-Insurance-FAQs-Icons-06-Umbrella-1-180x180.png' alt='' title='' \/><span class='av-outer-tab-title'><span class='av-inner-tab-title'>Personal Umbrella<\/span><\/span><span class='av-tab-arrow-container'><span><\/span><\/span><\/a><\/div><div class='av-tab-section-inner-container avia-section-large' style='width:400vw; left:0%;'><span class='av_prev_tab_section av_tab_navigation'><\/span><span class='av_next_tab_section av_tab_navigation'><\/span>\n<div data-av-tab-section-content=\"1\" class=\"av-layout-tab av-animation-delay-container av-active-tab-content __av_init_open   \" style='vertical-align:top; ' data-av-tab-color='#333333'  data-tab-section-id=\"auto-insurance\"><div class='av-layout-tab-inner'><div class='container'><p><div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_one_half  flex_column_table_cell av-equal-height-column av-align-top av-zero-column-padding first  \" style='border-radius:0px; '><div class='avia-image-container  av-styling-no-styling    avia-align-center '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><img class='avia_image ' src='https:\/\/robertbellinsurance.com\/wp-content\/uploads\/2017\/08\/Auto_Insurance-1030x773.jpg' alt='Auto Insurance - Robert Bell Insurance' title='Auto Insurance'   itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_half  flex_column_table_cell av-equal-height-column av-align-top av-zero-column-padding   \" style='border-radius:0px; '><p><div style='padding-bottom:0px;font-size:30px;' class='av-special-heading av-special-heading-h1  blockquote modern-quote   av-inherit-size '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Auto Insurance<\/h1><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<div style='height:50px' class='hr hr-invisible  '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<div class='avia-button-wrap avia-button-left '><a href='https:\/\/secure.consumerratequotes.com\/consumer\/QuoteStart.aspx?id=52407&amp;StartPage=Default' class='avia-button   avia-icon_select-no avia-color-theme-color avia-size-medium avia-position-left '  target=\"_blank\"   ><span class='avia_iconbox_title' >Get A Quote<\/span><\/a><\/div><br \/>\n<div style=' margin-top:30px; margin-bottom:30px;'  class='hr hr-custom hr-left hr-icon-no  '><span class='hr-inner   inner-border-av-border-fat' style=' width:50px; border-color:#000000;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><p>The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.<\/p>\n<p>An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best car insurance coverage option for you.<\/p>\n<\/div><\/section><br \/>\n<div class=\"togglecontainer  toggle_close_all \">\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >    <div class=\"single_toggle\" data-tags=\"{All} \" >        <p data-fake-id=\"#toggle-id-1\" class=\"toggler \"  itemprop=\"headline\" ><strong>Insurance for all kinds of vehicles<\/strong><span class=\"toggle_icon\">        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-1-container\" class=\"toggle_wrap \" >            <div class=\"toggle_content invers-color\"  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Robert Bell Insurance Brokers can insure your personal vehicles including a motorcycle or classic cars, motor home &amp; RV, boat &amp; jet ski, and ATV. Contact us for more information today.<\/span><\/p>\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >    <div class=\"single_toggle\" data-tags=\"{All} \" >        <p data-fake-id=\"#toggle-id-2\" class=\"toggler \"  itemprop=\"headline\" ><strong>What kind of insurance do I need?<\/strong><span class=\"toggle_icon\">        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-2-container\" class=\"toggle_wrap \" >            <div class=\"toggle_content invers-color\"  itemprop=\"text\" ><p><span style=\"font-weight: 400;\">The state of California requires every driver and vehicle owner to have a minimum amount of liability insurance coverage. Even drivers with an out-of-state license or no licenses at all still have to abide by these insurance requirements while driving in the state.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A liability insurance policy covers the cost of damage to property and\/ or bodily injury if you are at fault for a car accident. The minimum amount of California liability coverage required for private passenger vehicles is:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">$5,000 for property damage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">$15,000 for injury\/ death to a single person<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">$30,000 for injury\/ death of more than one person<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Other types of auto insurance that aren\u2019t required by law, but you may want to consider include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Collision insurance coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Comprehensive coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Uninsured and underinsured motorist coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">No-fault insurance<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you have an auto loan your lender may require that you have comprehensive and\/ or collision coverage.<\/span><\/p>\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >    <div class=\"single_toggle\" data-tags=\"{All} \" >        <p data-fake-id=\"#toggle-id-3\" class=\"toggler \"  itemprop=\"headline\" ><strong>Collision Insurance<\/strong><span class=\"toggle_icon\">        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-3-container\" class=\"toggle_wrap \" >            <div class=\"toggle_content invers-color\"  itemprop=\"text\" ><p>Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage typically comes with an insurance deductible which is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you&#8217;re willing to pay, the less the collision coverage will cost.<\/p>\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >    <div class=\"single_toggle\" data-tags=\"{All} \" >        <p data-fake-id=\"#toggle-id-4\" class=\"toggler \"  itemprop=\"headline\" ><strong>Comprehensive (Other than Collision) Insurance<\/strong><span class=\"toggle_icon\">        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-4-container\" class=\"toggle_wrap \" >            <div class=\"toggle_content invers-color\"  itemprop=\"text\" ><p>Comprehensive coverage is very similar to collision coverage &#8211; the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or &#8220;act of God&#8221;. Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). Although it&#8217;s not legally required, you will probably need it if your car is financed.<\/p>\n<p>Every person is unique. Talk to us today to find out how to get the best price and value on auto insurance for you.<\/p>\n            <\/div>        <\/div>    <\/div><\/section>\n<\/div><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div><\/div><div data-av-tab-section-content=\"2\" class=\"av-layout-tab av-animation-delay-container    \" style='vertical-align:middle; ' data-av-tab-color='#333333'  data-tab-section-id=\"homeowner-insurance\"><div class='av-layout-tab-inner'><div class='container'><p><div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_one_half  flex_column_table_cell av-equal-height-column av-align-top av-zero-column-padding first  \" style='border-radius:0px; '><div class='avia-image-container  av-styling-no-styling    avia-align-center '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><img class='avia_image ' src='https:\/\/robertbellinsurance.com\/wp-content\/uploads\/2017\/08\/Robert-Bell-Insurance-Personal-Tabs-Images-Homeowner.jpg' alt='' title='Robert-Bell-Insurance-Personal-Tabs-Images-Homeowner'   itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_half  flex_column_table_cell av-equal-height-column av-align-top av-zero-column-padding   \" style='border-radius:0px; '><p><div style='padding-bottom:0px;font-size:30px;' class='av-special-heading av-special-heading-h1  blockquote modern-quote   av-inherit-size '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Homeowner Insurance<\/h1><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<div style='height:50px' class='hr hr-invisible  '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<div class='avia-button-wrap avia-button-left '><a href='https:\/\/secure.consumerratequotes.com\/consumer\/QuoteStart.aspx?id=52407&amp;StartPage=Default' class='avia-button   avia-icon_select-no avia-color-theme-color avia-size-medium avia-position-left '  target=\"_blank\"   ><span class='avia_iconbox_title' >Get A Quote<\/span><\/a><\/div><br \/>\n<div style=' margin-top:30px; margin-bottom:30px;'  class='hr hr-custom hr-left hr-icon-no  '><span class='hr-inner   inner-border-av-border-fat' style=' width:50px; border-color:#000000;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><p>Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your home insurance claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. Robert Bell Insurance Brokers can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored homeowner insurance coverage, quality service and fair pricing.<\/p>\n<p>Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Depending on where you live &#8211; a house, apartment, or condo \u2013 the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and belongings. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.<\/p>\n<\/div><\/section><br \/>\n<div class=\"togglecontainer  toggle_close_all \">\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >    <div class=\"single_toggle\" data-tags=\"{All} \" >        <p data-fake-id=\"#toggle-id-5\" class=\"toggler \"  itemprop=\"headline\" ><strong>Home Insurance Policies<\/strong><span class=\"toggle_icon\">        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-5-container\" class=\"toggle_wrap \" >            <div class=\"toggle_content invers-color\"  itemprop=\"text\" ><p>Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which insurance policy is best for you, whether it\u2019s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it\u2019s a policy that covers only specified losses.<\/p>\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >    <div class=\"single_toggle\" data-tags=\"{All} \" >        <p data-fake-id=\"#toggle-id-6\" class=\"toggler \"  itemprop=\"headline\" ><strong>Types of Coverages<\/strong><span class=\"toggle_icon\">        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-6-container\" class=\"toggle_wrap \" >            <div class=\"toggle_content invers-color\"  itemprop=\"text\" ><p>The five types of homeowner insurance coverage are:<\/p>\n<ul>\n<li>Structural \u2014 Covers damage to your home or dwelling.<\/li>\n<li>Personal Belongings \u2014 Covers damage to items in or on your home or dwelling.<\/li>\n<li>Liability Protection \u2014 Covers your legal responsibility for injury or damage to other people or property.<\/li>\n<li>Additional Living Expenses \u2014 Covers costs for temporary housing, meals, etc., while your home is being restored or rebuilt.<\/li>\n<li>Earthquake \u2014 We do live in California.\u00a0<span style=\"font-weight: 400;\">Need we say more.<\/span><\/li>\n<\/ul>\n<p>Structural and Personal Belongings coverages are available on an actual cash value (ACV) basis or at full replacement cost. ACV coverage considers the current market value of an item based on its age and condition. So, if you purchased a television for $400 four years ago, the value today would be significantly less than it was when you purchased it. ACV coverage would depreciate the item&#8217;s value to determine the current value. Full replacement cost considers the current cost to replace an item.<\/p>\n            <\/div>        <\/div>    <\/div><\/section>\n<section class=\"av_toggle_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" >    <div class=\"single_toggle\" data-tags=\"{All} \" >        <p data-fake-id=\"#toggle-id-7\" class=\"toggler \"  itemprop=\"headline\" ><strong>Your Responsibility<\/strong><span class=\"toggle_icon\">        <span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p>        <div id=\"toggle-id-7-container\" class=\"toggle_wrap \" >            <div class=\"toggle_content invers-color\"  itemprop=\"text\" ><p>Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video &#8211; using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your homeowners insurance policy doesn&#8217;t cover damages caused by poor or deferred maintenance on your part.<\/p>\n            <\/div>        <\/div>    <\/div><\/section>\n<\/div><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div><\/div><div data-av-tab-section-content=\"3\" class=\"av-layout-tab av-animation-delay-container    \" style='vertical-align:top; ' data-av-tab-color='#333333'  data-tab-section-id=\"recreational-vehicles\"><div class='av-layout-tab-inner'><div class='container'><p><div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_one_half  flex_column_table_cell av-equal-height-column av-align-top av-zero-column-padding first  \" style='border-radius:0px; '><div class='avia-image-container  av-styling-no-styling    avia-align-center '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><img class='avia_image ' src='https:\/\/robertbellinsurance.com\/wp-content\/uploads\/2017\/08\/Recreational-_Vehicles-1030x687.jpg' alt='Recreation Vehicle - Robert Bell Insurance' title='Recreational _Vehicles'   itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_half  flex_column_table_cell av-equal-height-column av-align-top av-zero-column-padding   \" style='border-radius:0px; '><p><div style='padding-bottom:0px;font-size:30px;' class='av-special-heading av-special-heading-h1  blockquote modern-quote   av-inherit-size '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Recreational Vehicles<\/h1><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<div style='height:50px' class='hr hr-invisible  '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><p><span style=\"font-weight: 400;\">To get a quote email <\/span><a href=\"mailto:victoria@robertbellinsurance.com\"><span style=\"font-weight: 400;\">victoria@robertbellinsurance.com<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<\/div><\/section><br \/>\n<div style=' margin-top:30px; margin-bottom:30px;'  class='hr hr-custom hr-left hr-icon-no  '><span class='hr-inner   inner-border-av-border-fat' style=' width:50px; border-color:#000000;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><p><span style=\"font-weight: 400;\">This type of insurance is for all sorts of vehicles that you can play with like boats and jet skis, motor homes and trailers, dirt bikes and ATV\u2019s.\u00a0<\/span><\/p>\n<p>Recreational Vehicle Insurance is a coverage plan that can help you protect your motorhome and your travel trailers in case of damage or total loss. Depending on the size of the RV and how much time you spend on it is the insurance plan you should get. Recreational Vehicle insurances work quite similar to car insurance. Just like with other vehicles, this can protect you in different scenarios. The most common types of RV coverage include collision, comprehensible and liability coverage. This means that if you damage or destroy someone else\u2019s with your RV, the insurance company might take care of the expenses for you. Also, if your RV gets damaged or destroyed, they will cover you, too.<\/p>\n<p><span style=\"font-weight: 400;\">Besides the basic coverage you should get for your RV, there are more specialized options that you should consider. These options include total loss replacement, customer equipment, roadside assistance, vacation liability, and personal effects.<\/span><\/p>\n<\/div><\/section><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div><\/div><div data-av-tab-section-content=\"4\" class=\"av-layout-tab av-animation-delay-container    \" style='vertical-align:top; ' data-av-tab-color='#333333'  data-tab-section-id=\"personal-umbrella\"><div class='av-layout-tab-inner'><div class='container'><p><div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class=\"flex_column av_one_half  flex_column_table_cell av-equal-height-column av-align-top av-zero-column-padding first  \" style='border-radius:0px; '><div class='avia-image-container  av-styling-no-styling    avia-align-center '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><img class='avia_image ' src='https:\/\/robertbellinsurance.com\/wp-content\/uploads\/2017\/08\/Personal_Umbrella-1030x687.jpg' alt='Personal Umbrella - Robert Bell Insurance' title='Personal_Umbrella'   itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><div class='flex_column_table av-equal-height-column-flextable -flextable' ><div class='av-flex-placeholder'><\/div><div class=\"flex_column av_one_half  flex_column_table_cell av-equal-height-column av-align-top av-zero-column-padding   \" style='border-radius:0px; '><p><div style='padding-bottom:0px;font-size:30px;' class='av-special-heading av-special-heading-h1  blockquote modern-quote   av-inherit-size '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Personal Umbrella<\/h1><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<div style='height:50px' class='hr hr-invisible  '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><p><span style=\"font-weight: 400;\">To get a quote email <\/span><a href=\"mailto:victoria@robertbellinsurance.com\"><span style=\"font-weight: 400;\">victoria@robertbellinsurance.com<\/span><\/a><\/p>\n<\/div><\/section><br \/>\n<div style=' margin-top:30px; margin-bottom:30px;'  class='hr hr-custom hr-left hr-icon-no  '><span class='hr-inner   inner-border-av-border-fat' style=' width:50px; border-color:#000000;' ><span class='hr-inner-style'><\/span><\/span><\/div><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock  '   itemprop=\"text\" ><p><span style=\"font-weight: 400;\">Umbrella Insurance is a secondary type of liability insurance that covers your personal liability above and beyond the standard liability you have taken on your homeowner policy. Umbrella liability can cover you on multiple properties and cars depending on what coverage you select. Also known as a personal excess liability insurance policy, this type of policy is not a stand-alone policy which is why it is known as a secondary policy. Umbrella insurance gives you added liability protection for lawsuits and claims that arise against you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is an inexpensive way to protect your financial future or established assets. Personal Umbrella Insurance kicks in when your base policy liability limit is not enough. It protects you above and beyond the limits on your homeowners or condo insurance, car insurance, watercraft or other personal insurance policies.\u00a0<\/span><\/p>\n<\/div><\/section><\/p><\/div><\/div><!--close column table wrapper. Autoclose: 1 --><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-3217","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/robertbellinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/3217","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/robertbellinsurance.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/robertbellinsurance.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/robertbellinsurance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/robertbellinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3217"}],"version-history":[{"count":42,"href":"https:\/\/robertbellinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/3217\/revisions"}],"predecessor-version":[{"id":4386,"href":"https:\/\/robertbellinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/3217\/revisions\/4386"}],"wp:attachment":[{"href":"https:\/\/robertbellinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3217"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}