Umbrella Insurance

Why Umbrella Insurance is Very Important

Umbrella insurance is very important for high net worth individuals because higher assets often come with higher liability exposure, making you a bigger target in serious claims or lawsuits. Since standard home and auto policies have coverage limits that may not be enough for major accidents, injuries, or legal costs, umbrella insurance helps provide the extra protection needed to better safeguard your savings, investments, and future.

Our Team Tailors Yours For a Rainy Day

We build umbrella coverage around your lifestyle, assets, and risk exposure, so if a major accident or lawsuit ever happens, you have the extra protection you need to keep your finances secure. Having a team with proper experience with umbrella's is crucial to make sure you are properly covered.

What Does Umbrella Insurance Do

Umbrella insurance adds an extra layer of liability protection on top of your existing policies, like auto, homeowners, and rental property insurance, once those policies hit their coverage limits. It typically requires you to carry certain minimum underlying limits first, often called “required limits”, before the umbrella coverage applies, and in California it’s common to see minimum property/premises liability requirements around $500,000 for certain situations. This helps protect your assets if you face a large claim that would otherwise exceed the limits of a standard policy.

How does your State Treat Renter/Rental Insurance

Umbrella insurance is generally recognized in every state as a separate liability policy that can step in for large claims, but the “rules” are mostly set by the carrier, especially the required underlying limits and what types of claims are eligible. It often follows you across state lines (travel, rentals, multiple properties), but details like property ownership, how your assets are titled, and where you’re exposed to risk can affect how it should be structured and whether a claim is covered.