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One person handles your umbrella insurance

Umbrella Insurance

Extra liability above your auto and home limits. When a claim exceeds those limits, the umbrella is the next layer.

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What it covers

  • Extra liability above your auto and homeowners limits
  • Applies when the underlying liability limits are exceeded
  • Extended bodily injury and property damage coverage for others

Who it suits

Anyone with assets worth protecting beyond what auto and home policies pay. If a lawsuit could reach past your underlying limits, this is the layer that answers.

Worth knowing

Umbrella coverage only applies after your underlying auto or home liability limits are exhausted. One person can show you where your underlying limits sit today.

Common questions

What does an umbrella policy cover in California?

An umbrella policy adds liability protection above the limits of your auto and homeowners policies. It applies when a claim exceeds those underlying limits, extending bodily injury and property damage coverage for others. The quote conversation sets the limit for your situation.

How much umbrella insurance do I need?

There is no single right number. The right limit depends on your assets, income, and exposure: a lawsuit that exceeds your auto and home limits is what the umbrella answers. The quote conversation determines the limit. No number on this page is a recommendation.

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Tell me what you are looking to cover first. Your name, number, and email come last, and only so I can send your reply.

I keep this short on purpose. Every question below is here so that when I write back, it is about your situation, not a template.

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Getting a quote for Umbrella Insurance.

I am directly appointed with Mercury Insurance, and I quote you myself.

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Prefer to talk? Call 818-981-8800.

Prefer to talk it through? Call me at 818-981-8800.

A family agency since 1959.

Coverage descriptions are general information, not policy terms. Your quote is prepared for your situation.

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