What We Offer

Umbrella Insurance Coverage in California

Extra Protection When You Need It Most At Western Insurance, we understand that your standard insurance policies—whether auto, renters, or Homeowner insurance—may not always be enough to cover major claims or lawsuits. That’s where Umbrella Insurance comes in. Think of it as a safety net that provides extended liability protection beyond the limits of your existing policies. Whether you’re a homeowner, landlord, business owner, or simply someone who wants more peace of mind, our Umbrella policies offer that added layer of protection when life throws the unexpected your way.

Homeowners Insurance

Why You Might Need Umbrella Insurance

Imagine you’re found liable for an accident, and your home or auto insurance only covers part of the damages. The remaining amount could come from your personal savings, assets, or even future income. An umbrella policy steps in to cover those excess costs, including:

  • Legal expenses

  • Medical bills

  • Property damage

  • Personal liability

  • Libel, slander, or defamation lawsuits

Umbrella coverage helps protect everything you’ve worked hard to build.

Who Can Benefit from Umbrella Coverage?

Our Umbrella Insurance is ideal for:

  • Homeowners with valuable assets

  • Rental property owners

  • High net-worth individuals

  • Business professionals

  • Families with teen drivers

  • Dog owners (some breeds may carry liability risk)

  • Anyone active on social media (defamation lawsuits are on the rise)

What Umbrella Insurance Covers (And Doesn’t)

While it covers a wide range of liability claims, it doesn’t cover everything. Here's a breakdown:

Typically Covered:

  • Bodily injury liability

  • Property damage liability

  • Landlord liability

  • Legal defense fees

  • Personal injury (libel/slander)

Typically NOT Covered:

  • Your own medical expenses

  • Intentional criminal acts

  • Business-related liability (get General Liability insurance for that)

  • Contract disputes