Frequently Asked Questions
Everything you need to know about umbrella insurance in California.
How much umbrella insurance do I need?
A good rule of thumb is to carry umbrella coverage equal to your net worth. Most people start with $1 million, which typically costs $150–$300 per year. Additional million-dollar increments are surprisingly affordable.
What does umbrella insurance cover that my other policies don’t?
Umbrella insurance covers excess liability from auto accidents, injuries on your property, lawsuits, libel, slander, and certain claims not covered by standard policies. It also covers legal defense costs.
Who needs umbrella insurance?
Anyone with assets to protect. If you own a home, have savings or investments, or are at risk of lawsuits (pool owner, dog owner, teen driver), umbrella insurance is highly recommended.
Does umbrella insurance cover business activities?
Personal umbrella policies typically exclude business activities. If you have business exposure, you may need commercial umbrella coverage. Contact us to discuss your situation.
Still Have Questions?
The team at California Excess Liability is happy to help. Get a free quote or call us today.