Joseph Totah Insurance Services specializes in Auto, Home, and Umbrella package Policies. Our clients range from middle to high net worth individuals and represent companies that are very successful with this market. We know our products and are good with detail. Here are some good reasons on why you want to package your Auto, Home, and Umbrella with us:

• Our companies give a 10% to 20% discount on each policy when you combine your auto and home
• You have one office to call where we are familiar your entire account, so you can avoid calls to multiple agents
• Your coverage needs will be better evaluated with one agent, many items cross over between these three policies

Auto Insurance

We provide among the highest liability limits available on the auto insurance policies we issue. We match uninsured motorist coverage to make sure you are not shortchanged if you are injured in an auto accident due to an uninsured motorist. Optional coverage include rental car re-imbursement of up to $100 per day. It is recommended that you have an umbrella insurance policy in addition to your auto insurance liability, please see details below about this type of policy.

Auto Policy Discounts Include:

Auto/Home Discount Multiple Car Discount Anti-Lock break discount

Professional Discount (Various professionals, including doctors, dentist, engineers, and other professions) Various others, depending on the company

Home Insurance

Our policies reflect the best coverage available. Here are some examples of what we can include in our policies:

• Adequate replacement coverage for your home, including a replacement cost appraisal.
• Most of our policies include a 200% dwelling replacement cost provision.
• Fine Arts, jewelry, and collectibles
• Home inventory software
• Living expenses and separate structures.
• Please see sample proposals of quality terms that we can we provide

Home Policy Discounts Include:

Auto Home Discount Burglar Alarm discount Fire Alarm discount

New Home Credit New Home buyer discount Various others, depending on the company

 

 

Umbrella Insurance

Umbrella insurance protects you if you get involved in a serious accident and the limits on your auto or home insurance policies are not enough to settle with the injured party. Having umbrella protection helps you avoid personally paying for any liable amount stipulated in a court decision or settlement beyond what your standard insurance policy covers.

These days, it's not unusual to hear of a $40 million liability court decision. If you cause a serious auto accident, worse if someone is killed or paralyzed, you may have to pay such an amount. The very minimum umbrella coverage one should have is two million dollars. Here is an example of of incident where a $49 million judgement was awarded.

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(650) 344-2030
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If you are on the affluent side, even a $5-million umbrella liability policy may not be adequate to pay for a legal settlement or decision. Since any settlement amount above the limits of your total liability coverage will come from your own assets, your home, your financial assets and your future earnings could be jeopardized if you don’t have enough coverage. People who are more affluent are the more likely targets of the very best liability attorneys, especially when the person injured had high earning power before the accident.

Umbrella insurance is the ultimate personal insurance policy that will protect you against liability from causing a serious accident. The higher your coverage amount, the more secure your assets will be.