Umbrella Insurance Costs

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    How much does an umbrella policy cost?

    Premiums for umbrella policies are very cost effective. They can run as low as $150, and vary based on numerous factors.

    What Affects the Premium?

    Premiums for umbrella policies are dependent on a number of factors including:

    • Are all your policies insured with the same carrier? Most carriers require at least the auto coverage. Some offer discounts on the Umbrella as well as to the “underlying” home & auto policy.
    • What are your “base” limits? How much are your Auto & Home Limits? Some carriers may have minimum requirements.
    • How many Properties do you own?
    • How many Vehicles do you own?
    • Do you own any “toys”? Motorcycles, boats, RVs, ATVs, etc.
    • Driving record – Some (but not all carriers) may surcharge if you have a poor driving record.

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    Harbor Insurance
    1622 S. Gaffey #104
    San Pedro, CA 90731


    C & S Insurance
    3220 Sepulveda Blvd #202
    Torrance, CA 90505