Umbrella Liability Policy in California

What We Offer

Umbrella Liability Policy – Extra Protection Beyond the Basics

We understand that life is unpredictable — and so are the risks that come with it. That’s why we offer Umbrella Liability Policy coverage: an extra layer of financial protection that goes beyond the limits of your standard homeowner insurance or auto policies. If a serious accident or lawsuit exceeds the coverage limits of your existing policies, our Umbrella Insurance steps in to safeguard your assets, future earnings, and peace of mind.

Homeowners Insurance

What Is an Umbrella Liability Policy?

An Umbrella Liability Policy is a type of personal liability insurance designed to provide coverage when the limits of your standard insurance policies — like auto, renters, or homeowner insurance — have been exhausted. It covers legal costs, medical bills, and even libel or slander claims, offering protection that basic policies might not.

In other words, it’s your financial safety net — for when the unexpected happens.

Why You Might Need Umbrella Insurance

You own property or rental units
You have significant savings or assets to protect
You host guests frequently
You have teenage drivers in the house
You own dogs or other pets
You use social media actively (risk of defamation claims)

Even if you’re careful, accidents can happen — and lawsuits can follow. From slip-and-falls on your property to auto accidents, a personal umbrella policy ensures you’re not left paying out of pocket.

Coverage Highlights

Additional liability coverage starting at $1 million
Covers legal defense costs
Protection against personal injury claims, including slander and defamation
Covers property damage and bodily injury beyond your base policies
Worldwide coverage for incidents that occur outside the U.S.
Extends to rental properties, boats, and vacation homes

Looking for business protection? Our General Liability insurance offers specialized solutions for companies of all sizes.

Why Choose Us?

With decades of experience and a strong reputation across California, Homeowners Insurance offers trusted and tailored coverage to meet your personal and business needs. Whether you’re safeguarding your home, your car, or your livelihood, we’re here to help you prepare for the unexpected — before it strikes.