Frequently Asked Questions
Everything you need to know about umbrella insurance in California.
Is umbrella insurance worth the cost?
Absolutely. For $150–$300/year, you get $1 million in additional liability coverage. One lawsuit could cost far more. It’s among the best values in insurance.
What is umbrella insurance?
Umbrella insurance provides extra liability coverage beyond your auto, home, or other policies. It kicks in when your underlying policy limits are exhausted and provides broader coverage for certain claims.
How much umbrella insurance do I need?
A good rule of thumb is to carry umbrella coverage equal to your net worth. Most people start with $1 million, which typically costs $150–$300 per year. Additional million-dollar increments are surprisingly affordable.
What does umbrella insurance cover that my other policies don’t?
Umbrella insurance covers excess liability from auto accidents, injuries on your property, lawsuits, libel, slander, and certain claims not covered by standard policies. It also covers legal defense costs.
Still Have Questions?
The team at California Umbrella Insurance is happy to help. Get a free quote or call us today.