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Umbrella Insurance in California

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Here is an example of how umbrella liability insurance can be useful:


You’re driving on a highway when a deer suddenly jumps in front of your car. You swerve to avoid hitting it, but you lose control of your vehicle and crash into a guardrail. The guardrail breaks and falls onto the road, causing a pileup of several cars behind you. There is extensive damage to the cars and multiple injuries to the drivers and passengers. The total cost of repairs and medical treatment is $400,000. One of the drivers is a lawyer who can’t work for a year due to a spinal injury. He sues you for $500,000 in lost earnings.


You’re responsible for a total of $900,000. If you have only $200,000 in liability coverage with your car insurance, the remaining $700,000 will have to come out of your pocket.


If you had umbrella insurance, it would pay the difference between what your car insurance covers and what you still owe. An umbrella policy could also cover your legal costs in the lawsuit.


We are a Trusted Umbrella Insurance Agency in California


The average cost of umbrella insurance in California is around $380 per year for up to $2 million in protection. However, different insurers have different rates (and coverage limits), so it pays to shop around.


At Western Insurance Marketing Corporation, we have made a name for ourselves by thoroughly dissecting umbrella policies from top-rated insurance companies to give our clients the best value for their money. We’ll compare different policies, help you select the right coverage limit, and explore ways to save on premiums.


We are fully independent and customer-focused, so you can trust us to provide unbiased advice and excellent service. We are not affiliated with one or a few insurance companies, so we’ll always look for the best policy to suit your needs.


Our experienced insurance professionals are here to help you understand the process and answer any questions you may have.


Contact us today to get started. We look forward to serving you!

Why Work with Us?



  • We are an independent agency with competitive rates
  • Our professionals provide exceptional customer service
  • We will help you find the best coverage for your needs
  • We have years of experience in the insurance industry
  • We are committed to helping you save on premiums
  • We will provide you with sound advice and excellent service
  • We are licensed and regulated by the state of California
  • We have access to a wide range of policies from top-rated insurance companies
  • We will help you make an informed decision when selecting the right policy for you.

What is an Umbrella Insurance Policy?


Umbrella insurance is a type of personal liability insurance. It provides extra protection above and beyond the limits of your auto and home insurance policies. It can cover you for legal costs if you’re sued for negligence or personal injury, such as a car accident or slip and fall. It also covers you for certain events that aren’t covered by your other policies, like libel or slander.


An umbrella policy can provide coverage up to $1 million or more.

Forms of Coverage Offered by Umbrella Insurance


Umbrella insurance provides coverage for personal liability, legal fees, and certain other expenses. Here are some of the more common types of coverage:


  • Bodily injury liability – Bodily injury liability coverage will come in handy if you’re sued for someone else’s injuries.
  • Property damage liability – Covers you if you’re sued for damages to someone else’s property.
  • Personal injury liability – Covers costs related to libel and slander.
  • Medical payments – Pays for medical bills if someone is injured on your property.
  • Uninsured/underinsured motorist – Covers you if the other person’s insurance isn’t enough to cover your damages.
  • Legal fees – Pays for legal costs if you’re sued.


With an umbrella policy, you can shield yourself from financial ruin in the event of a major accident or injury.

Situations Where Umbrella Insurance May Come In Handy


  • You cause a serious car accident that injures multiple people and damages their property. Your auto insurance policy may not cover all the medical bills, repairs, and legal fees. Umbrella insurance can pay the difference and protect your assets from being seized.
  • You own a dog that bites someone on your property or in public. The victim may sue you for medical expenses, pain and suffering, and lost wages. Your homeowners' insurance policy may have a low limit or exclude dog bites altogether. Umbrella insurance can cover the excess liability and legal costs.
  • You are a landlord and one of your tenants or their guests gets injured on your rental property due to your negligence. They may file a lawsuit against you for damages. Your landlord insurance policy may not be enough to cover the claim. Umbrella insurance can provide additional coverage and help you avoid paying out of pocket.
  • You rent out your house on Airbnb and a guest is injured while staying at your property. Your homeowners' insurance policy may not provide coverage for short-term rentals, so an umbrella policy can be a great idea. It can provide additional coverage in case of accidents, property damage, and lawsuits.

Benefits Umbrella Insurance


  • Low premiums: Umbrella insurance has more affordable premiums than other types of liability policies. This makes it a great option for people who want extra protection without breaking the bank.
  • Broad coverage: Umbrella insurance provides broader coverage than your homeowners' or auto policy, so you can rest assured that you’re protected from a variety of risks.
  • Easy to get: It’s easy to get an umbrella policy. All you have to do is submit an application, and you can start enjoying the extra protection it provides.
  • Peace of mind: Having an umbrella policy in place can give you peace of mind knowing that’re covered in case the worst happens.

Will Umbrella Insurance Cover Personal Property Damage?


No, umbrella insurance does not cover damage to your personal property. It only covers third-party liability for legal costs and damages if you’re sued. To protect your property, you need to purchase a separate home or renters insurance policy.


It is also important to note that umbrella insurance does not provide coverage for malicious acts. So, if you are sued for something like libel or slander, your umbrella policy will not provide coverage for those costs.

Factors That Affect the Cost of Umbrella Insurance in California


The cost of umbrella insurance in California depends on a few factors, such as:


  • Your location: If you live in an area where there is a high risk of natural disasters or crime, then you will likely pay more umbrella insurance premiums than someone who lives in a safer neighborhood.
  • Your age: Generally speaking, people over the age of 25 tend to pay lower umbrella insurance premiums than those who are younger.
  • Your occupation: People in higher-risk professions, such as construction workers or roofers, may be charged more for umbrella insurance than someone who works in a lower-risk profession.
  • Your driving record: If you have had multiple traffic violations or accidents in the past, your premium could be higher than someone with a clean driving record.
  • Your claims history: People who have filed multiple claims in the past could be charged higher premiums than those with a clean claims history.
  • Your assets: If you have a lot of valuable assets, such as real estate or investments, then you may need more coverage. This could result in higher premiums.
  • Your credit score: People with a higher credit score typically pay lower premiums than those with lower scores.


Other factors, such as the deductible or coverage limits you choose, can also impact your premium. Make sure you compare a few different policies before making a decision.

Ways to Get the Best Value Out of Your California Umbrella Insurance


  1. Shop around: Don’t settle for the first policy you find. Compare quotes from several different companies to get the best deal.
  2. Read the fine print: Make sure you understand what is covered by your policy and what is not.
  3. Consider a higher deductible: A higher deductible can help keep your premiums low.
  4. Make sure you have enough coverage: Don’t skimp on coverage. Make sure you have enough to protect your assets in case of a lawsuit.
  5. Bundle policies: You may be able to get a discount by bundling your umbrella policy with other types of insurance, such as auto or homeowners.
  6. Reassess annually: Make sure your policy is up to date so it reflects any changes in your lifestyle, such as the purchase of a new car or home.

Get The Best Rates on California Umbrella Insurance


The agents at Western Insurance Marketing Corporation are experienced in helping California residents find the best value umbrella insurance for their needs.


Our process is simple and straightforward. We’ll work with you to understand your needs, then shop around for the best policy and rate.



Contact us today to get started! We look forward to helping you protect your assets and provide peace of mind that you’re covered in case of a lawsuit.

  • What is Umbrella Insurance in California?

    Umbrella insurance in California is an additional layer of liability protection that goes beyond the limits of your existing auto, home, or boat insurance. It provides extra coverage for major claims and lawsuits, offering financial security in case you face significant liability risks. Whether it's a serious car accident, property damage, or a personal injury claim, umbrella insurance helps protect your assets by covering costs that would otherwise exceed your standard insurance policy limits.

  • What Are the Disadvantages of an Umbrella Policy

    While umbrella insurance offers extensive protection, there are some potential disadvantages to consider:

    • Exclusions: Umbrella policies typically do not cover everything. Common exclusions include damage to your own property, business-related claims, or intentional acts.
    • Costs: Although affordable for the coverage it provides, umbrella insurance does come with an additional premium, which could be a concern for some.
    • Eligibility Requirements: Many insurers require you to have certain minimum coverage limits on your existing policies (e.g., auto or home insurance) before they’ll offer an umbrella policy.

  • How Much Does a $1 Million Dollar Umbrella Policy Cost?

    The cost of a $1 million umbrella policy varies depending on your location, the level of coverage you already have, and your personal risk factors. In California, you can expect to pay between $150 to $300 annually for $1 million in coverage. Factors like your driving record, claims history, and the amount of existing insurance coverage you hold will also influence the price.

  • Is an Umbrella Policy Worth Having?

    Yes, an umbrella policy is often worth having, especially if you have significant assets or a high risk of being sued. The added protection is relatively affordable compared to the amount of coverage it provides. It can offer peace of mind knowing that you’re covered in case of catastrophic events that may exceed your regular policy limits. Whether you’re concerned about accidents, injuries, or property damage, an umbrella policy can help safeguard your financial future.

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