High Risk / Brush Fire Insurance

Paying for homeowners insurance makes some people cringe.

Shelling out money month after month for an intangible product can feel like pouring water into the sand, but insured owners living in prime locations such as California pay so that they can rebuild in case disaster strikes. 

Coastal Elite Insurance is dedicated to covering your home in the case of a fire, or any other unforeseen disaster. 

Is your property located near brush or considered high risk? 

Do you have previous homeowner’s claims that make it difficult to get covered? No matter your situation, we have your solution!

Firefighters put water on a home fully engulfed in flame as firefighters work to protect homes as a brush fire burns and rapidly expands in Anaheim Hills on Monday. (Photo by Ken Steinhardt, Orange County Register/SCNG)

Umbrella Insurance

What is Umbrella Insurance? The term “umbrella” refers to additional liability that covers what your home or auto policy does not. It is an extension to your existing liability should an unforeseen event occur.

Without umbrella coverage, everything you’ve worked hard for—your assets, your college fund, your nest egg, your retirement savings—could be at risk if you are found liable to others as a result of an accident or other catastrophic event.

This example illustrates why you need additional liability insurance:

A young woman ran a stop light and collided with another car, killing an adult and child. The courts found her negligent and ordered her to pay the “wrongful death” limits of $1,050,000. The woman had an auto policy with liability limits of $300,000 per claim, leaving her with an uncovered loss of $750,000. If this woman would have had a personal umbrella policy, it would have paid the remaining $750,000. Without it, she will have to pay it from her personal assets.

No one expects a catastrophe in their life. And it’s true that catastrophic events happen to very few people. That’s why you can buy $1 million of additional liability protection very economically. Depending on your circumstances, a $1 million personal umbrella policy can run as low as $150. 

Contact Coastal Elite Insurance for a Personal Umbrella quote today!

Landlord Policies

Do you have an investment property used as a rental?

Do you ever rent your property on a short-term basis?

Coastal Elite Insurance Solutions has the perfect policy to meet any landlord needs…..whether you rent your property for one day or one year, we can help! 

Welcome to Coastal Elite Insurance Solutions

Welcome to Coastal Elite Insurance Solutions! 

My name is Molly McMillan and I am excited to offer my services to anyone needing coverage for their auto, home or business.

My promise to captive agents is to provide the highest quality solution to those who are ineligible or non-renewed by standard carriers. 

Coastal Elite Insurance takes pride in client relationships and is dedicated to locating the best coverage at the most competitive price. 

Contact me today to discuss your insurance needs! I look forward to serving you!