Do You Need an Umbrella Policy?
An umbrella policy adds liability coverage above the limits already on your home and auto policies. It fits households with assets to protect, a new driver, a pool, a dog, or rental property. It requires certain underlying limits, and it covers liability only, never your own property.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
Do You Need an Umbrella Policy?
An umbrella policy adds liability coverage above the limits already on your home and auto policies. It fits households with assets to protect, a new driver, a pool, a dog, or rental property. It requires certain underlying limits, and it covers liability only, never your own property.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
What Does an Umbrella Policy Actually Do?
It sits on top of the liability limits you already carry and starts paying where those limits stop.
It extends liability, not property
An umbrella responds to claims against you for injury or damage to others. It never pays to repair your own house or your own car.
It requires underlying limits
Carriers require your home and auto liability to sit at stated levels first. Raising those underlying limits is usually part of adding an umbrella.
It covers the whole household
The policy generally follows the people in your household across the policies underneath it, which is why a new driver is a common trigger for buying one.
It has exclusions of its own
Business activities, intentional acts, and some recreational exposures are handled differently or excluded. Those get read before you sign.
How Do I Know If I Need One?
Answer these honestly. Several yes answers usually means the conversation is worth having.
What you could lose
Umbrella coverage protects assets, including future earnings.
- Do you have equity, investments, or other assets beyond your current liability limits?
- Would a judgment against you reach your income for years?
- Do you own more than one property?
What is happening at your address
These are the exposures carriers ask about first.
- Is there a new or teen driver in the household?
- Do you have a pool, trampoline, or dog?
- Do you host frequently, or rent a property to tenants?
What you carry today
The underlying policies decide whether an umbrella can attach.
- Do your home and auto liability limits meet the carrier's requirement?
- Are all your properties and vehicles on policies we can see?
- Has anyone reviewed those limits since the policies started?
Umbrella Coverage — FAQ
Does an umbrella cover damage to my own property?+
Do I have to move my home and auto to buy one?+
Does it cover my rental property?+
Does it cover my business?+
Talk to a licensed agent.
Call or send a note and tell us what you need covered. A licensed agent gets back to you — not a queue — with which carriers can write it, what the policy excludes, and what happens next.
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3910 Prospect Ave, Unit C, Yorba Linda, CA 92886