Umbrella insurance starts where your other limits stop.
An umbrella policy adds liability limit on top of your home and auto policies. When a judgment runs past what those pay, the umbrella takes over instead of your assets, your equity, and your future wages. It only works if the underlying limits are set where the carrier requires.
You'll know what's excluded before you sign.
In insurance since 1981Independent agencyCA Lic. 0606906
What does a personal umbrella policy do?
It sits above the liability limits you already carry and pays after they are exhausted.
Extra limit above home and auto
Adds liability capacity over both policies at once. A serious injury claim can pass a standard auto liability limit quickly, and the balance is yours without an umbrella.
Defense costs
Pays legal defense in a covered suit, generally in addition to the limit rather than out of it. Defense on a contested claim is expensive even when you win.
Some claims your base policies exclude
Depending on the form, libel, slander, and false arrest can be covered. Business activity and intentional acts are excluded on every umbrella we write.
Required underlying limits
Carriers require minimum liability limits on the policies underneath. If yours are lower, we raise them first — otherwise there is a gap between the two layers.
Not sure this is the one? Start with what happened.
Your renewal arrived and you want someone to look at it properly.
Your teenager is about to drive and you need them on the policy.
You bought a property to rent out and need the right policy on it.
Escrow needs proof of insurance before your loan can fund.
You are opening a business and need your first policies in place.
Your renewal arrived with a higher premium and no explanation of what changed.
Why people move their policies here.
What it's like to have one agency for everything.
You'll know what's excluded before you sign
We go through what the policy does not pay for — water backup, roof settlement, ordinance and law, wildfire smoke limits — while you can still change it. Surprises belong before the claim, not after.
A named licensed agent who knows your whole file
Home, auto, business — it's all with the same office, and the licensed agent on your file remembers your last call. You never start over with a call center or re-explain your house at renewal.
Choices, explained side by side
We're an independent agency. We put several California-admitted carriers next to each other and show you the differences in writing, so the decision is yours to make.
Straight answers, in their words.
“If you are looking for a "Hands-on Agent" wish incredible integrity and risk evaluation skills, Michael is for sure your go to agency.”
“I am so happy with this insurance agency. I have been working with Tony Mercardo He is so helpful, honest and hand working. Along with a great personality. Everyone there seems in a cheerful mood when I call in. Which is so refreshing. I highly recommend. …”
“I highly recommend Mike. He is an awesome human being.”
What we can back up.
Independent agency
Choices from more than one company
Since 1981
Placing coverage in California
CA Lic. 0606906
Licensed throughout California
Licensed across California. Local to Orange County.
Anyone in California can call — we quote by phone and email and place policies statewide.
Orange County
- Yorba Linda
- Anaheim Hills
- Placentia
- Brea
- Fullerton
- Anaheim
- Orange
- Villa Park
- La Habra
- Buena Park
- Tustin
- Santa Ana
- Irvine
Los Angeles County
- Whittier
- La Mirada
- Diamond Bar
- Rowland Heights
- Walnut
San Bernardino County
- Chino Hills
Riverside County
- Corona
Need something alongside your umbrella policy?
Coverage for the structure, what's inside it, and your liability — quoted with California-admitted carriers.
Liability, collision, and uninsured motorist coverage written with California-admitted carriers.
Life insurance for the people who depend on your income, plus annuities, disability, and business life.
Individual and group medical, dental, and vision, including enrollment through Covered California.
HO-6 coverage for the part of the unit the HOA master policy leaves to you.
Coverage for a property someone else lives in — the building, your liability, and the rent while it is being repaired.
Umbrella questions, answered plainly.
Who actually needs an umbrella policy?+
Do I have to move my home and auto to get one?+
What is not covered by an umbrella policy?+
Tell us your current limits. We'll tell you what sits above them.
A licensed agent checks the underlying limits on your home and auto policies, then quotes the umbrella layer that a California-admitted carrier will write over them.
- 1Call or send the form
- 2We read your current policy
- 3You see the options side by side
In insurance since 1981 Independent agency CA Lic. 0606906