Personal Insurance
Umbrella Insurance in California
A single lawsuit can wipe out everything you have built. Umbrella insurance provides an extra layer of liability protection above your auto, home, and other policies, starting at $1 million for just a few hundred dollars a year.
What Is Covered
Coverage at a Glance
Excess Liability Coverage
Kicks in when a claim exceeds the liability limits on your auto, home, or other underlying policies. Provides an additional $1 million or more in protection.
Broader Coverage
An umbrella policy covers certain claims that your standard policies may exclude, such as libel, slander, false arrest, and some types of personal injury claims.
Legal Defense Costs
Pays for attorney fees, court costs, and expert witnesses even if you are ultimately found not liable. Legal defense alone can cost tens of thousands of dollars.
Worldwide Protection
Umbrella coverage follows you everywhere, not just at home or in your car. You are protected whether you are in California or traveling internationally.
Rental Property Coverage
If you own rental properties, an umbrella policy provides additional liability protection for tenant injuries and property damage claims beyond your landlord policy limits.
Coverage for Your Household
Most umbrella policies cover everyone in your household, including your spouse and dependent children. This means your teenager's driving accident or your child's sports injury is covered.
California Context
Why This Matters in California
California is one of the most litigious states in the nation. Jury verdicts in personal injury cases regularly exceed $1 million, and your standard auto or home policy may only cover $300,000 to $500,000.
If you own a home in California, your equity is a target in a lawsuit. An umbrella policy protects your home equity, savings, investments, and future earnings from being seized in a judgment.
California's attractive nuisance doctrine means you can be held liable if a neighborhood child is injured by your swimming pool, trampoline, or other property features, even if the child was trespassing.
With social media and online activity, the risk of defamation and invasion of privacy claims has increased dramatically. Umbrella policies cover these modern liability exposures.
If you have teenage drivers on your auto policy, your liability risk increases significantly. A serious accident caused by a young driver can easily generate a claim that exceeds your auto policy limits.
Pro Tip
If you own a home, have a swimming pool, employ household staff, or have teenage drivers, umbrella insurance should be at the top of your coverage checklist. The cost is minimal compared to the protection you receive.
Common Questions
Frequently Asked Questions
Related Coverage Options
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