What is Umbrella Insurance?

The legal environment in United States, especially in California has made liability coverage on your auto and home insurance not enough. Lawsuits are easier to initiate, settlements are skyrocketing and the cost of defense is getting unaffordable.


If you are involved in an unexpected situation and should be sued, everything you own is at risk. To feel truly secure, you may need the extra coverage from an umbrella policy. An umbrella policy provides extra liability coverage on top of your existing auto or home insurance. If your automobile policy has $300,000.00 liability coverage and is exhausted, your umbrella policy (ex: $1 million) will take over and act as a second layer of protection providing a total of $1.3 million worth of coverage.

- Possible Requirements
- Specified underlying limits
- Auto & Home policies from same company
- Other conditions