A pink umbrella held up in the rain on a city street

HomeHome & autoUmbrella insurance

Umbrella insurance for more liability protection.

Extra liability coverage that starts where your home and auto policies stop. Tell us what you have now and a licensed agent follows up.

Request a quoteWhat it covers

Or call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

What it covers

Every policy is different. Your agent walks you through what yours includes before you decide.

  • Above your limitsPays after the liability coverage on your home or auto policy has been used up.
  • Home and autoSits over the liability coverage on your standard home or auto policy.
  • Broader coverageOften covers more than a standard policy does, as well as adding higher limits.

FAQ

Umbrella insurance, explained plainly

What is umbrella insurance?

An umbrella or excess liability policy provides coverage over and above the liability limits on your standard home or auto policy.

When does it pay?

After you have used up the liability insurance in your underlying policy. It often offers broader coverage than standard policies too.

Who should consider one?

If what you own and have saved is worth more than the liability limits on your policy, an umbrella is worth considering.

Do I need other coverage first?

Yes. Most companies require a minimum of $300,000 of liability insurance on your homeowners policy before they will write umbrella coverage.

What affects the price?

How much underlying insurance you carry and the kind of risk you represent. The more underlying liability coverage you have, the less the umbrella tends to cost.

Sources: Insurance Information Institute, How much homeowners insurance do I need?. Coverage, price and approval are decided by the insurance company.

How it works

  1. 1

    Tell us what you need

    A few quick questions. It takes about two minutes.

  2. 2

    We review it

    Someone licensed reads every request.

  3. 3

    We reach out

    We talk it through with you. There is no obligation.

Get a umbrella insurance quote.

A licensed agent reviews your request and gets back to you. Prefer to talk? Call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

If you request a quote, a licensed insurance agent may contact you. We use this only to respond to your request. Please give us an email or a phone number.

You may also need

  • If you request a quote, a licensed insurance agent may contact you.
  • Insurance: Coverage, price and approval are decided by the insurance company.