Learn: Umbrella Insurance

Bookmark and Share

Also learn about

Shop for

Umbrella insurance is one of the most over looked insurance policies even though it can provide a huge increase in protection for your assets and property. Who needs an umbrella insurance policy?

Some people mistakenly believe that personal umbrella liability insurance is necessary only if you are wealthy or if you are reckless. But accidents can happen anywhere, to anyone. You might hit a bicycle messenger, your son might hit a baseball through a church window, or a delivery person might slip on your icy porch. No matter how careful you are, you may one day be sued because you injure someone or damage someone’s property.

Who needs an umbrella policy?

  • Anyone with assets
  • Families with young drivers
  • Owners of boats or personal watercraft
  • Anyone with a swimming pool
  • Rental property owners
  • Recreational vehicle owners

What is an umbrella insurance policy?

Liability insurance protects your assets in the event that you (or a member of your household) accidentally injure another person or damage someone’s property.

Standard homeowners insurance, renters insurance, auto insurance, and even some boat insurance policies provide a degree of protection against certain types of personal liability. A personal umbrella policy supplements the basic liability coverage provided by your other insurance. Umbrella insurance is designed to kick in when your other liability coverage is tapped out due to a high award, catastrophic lawsuit, or judgment.

It provides expanded coverage and increases the amount of your liability protection beyond the basic coverage provided under your homeowners/renters and auto insurance policies.

Determining coverage amounts

There is no exact science when it comes to determining the appropriate level of personal liability insurance coverage, but you probably need more liability insurance than you think. For example, standard home insurance policies usually provide $100,000 to $300,000 worth of liability coverage, but in today’s society it’s not unusual to hear of $2-million, $10-million, and even $20-million liability judgments.

You might think that you only need enough liability insurance to protect your assets, but this figure is practically irrelevant when deciding how much liability coverage you need. Instead, consider factors such as the following:

  • Do you entertain, or provide alcohol at home often?
  • Do you have a long commute to work or take long auto trips?
  • Do you have teenage children? Do they drive?
  • Does your lifestyle make you a likely target for a lawsuit ?
  • Do you have a swimming pool or own recreational vehicles or watercraft?

Personal umbrella liability policies are typically available in coverage amounts ranging from $1 million to $10 million. The amount of coverage you should have depends on the factors mentioned above, as well as your risk tolerance and your financial ability to weather a liability judgment.

Contact Insurance Center Associates today for the best umbrella insurance rates today. You’ll be glad you did!

Request an umbrella quote

It's fast, easy, and free. Go »

Refer a friend & earn a gift

If we write your friend's insurance, we'll send you two movie tickets.

Refer someone today

We represent fine companies like

Safeco Insurance, Member of Liberty Mutual Group



Visit our mobile site on your phone today and bookmark it for future use.


Not sure where to start? Browse our Information Center to learn all about your insurance options.


50% of our business comes from client referrals. Contact us today and we'll show you why that is.

Our locations:

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

310-832-5311

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

310-517-8255