Umbrella Insurance in El Segundo and Los Angeles
An extra layer of liability coverage that starts where your home and auto limits stop. It protects your savings and future income if a serious accident or lawsuit costs more than your other policies pay.
Umbrella insurance at a glance
- Typical limits
- $1 million to $5 million
- Sits above
- Your auto, home, condo, and landlord liability limits
- Usually requires
- Higher underlying limits on your auto and home policies
- Who it covers
- You and members of your household
- Quote turnaround
- Usually 1-2 days
What umbrella insurance covers
An umbrella pays after your auto, home, or other liability limits are used up, and covers some claims those policies leave out.
Excess auto liability
Pays above your auto limits after a serious accident you cause.
Excess home liability
Pays above your homeowners or condo liability for injuries on your property.
Household drivers
Covers teen and other household drivers listed on your auto policy.
Legal defense
Pays defense costs, often in addition to your limit.
Personal injury
Covers claims such as libel, slander, and false arrest that many base policies exclude.
Rental property liability
Can extend over rentals you own when they are listed on the policy.
What affects umbrella insurance cost
Umbrella policies are some of the least expensive coverage you can buy for the protection they add, because they only pay after your other policies are used up.
Price depends mostly on how many cars, drivers, homes, and rentals the policy sits above, plus the driving records of everyone in your household.
Ways to lower your premium
- Place the umbrella with your home or auto carrier when it saves
- Set underlying limits to exactly what the umbrella requires
- Choose a limit that matches your assets and income
- Keep household driving records clean
- Review the policy when you add a driver, home, or rental
What moves your rate
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Vehicles and drivers
Each car and driver adds exposure.
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Teen drivers
Young drivers raise the price more than any other factor.
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Homes and rentals
Each property the umbrella covers adds to the cost.
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Driving records
Tickets and accidents in the household raise rates.
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Limit chosen
Each additional million costs less than the first.
Umbrella insurance questions
Don't see yours? Call (310) 751-5979 and ask.
How does umbrella insurance work?
Say you cause an accident with $850,000 in damages and your auto liability limit is $300,000. Without an umbrella, you could owe the remaining $550,000. A $1 million umbrella would pay that difference.
How much umbrella coverage do I need?
Enough to cover what you could lose in a lawsuit, including savings, home equity, and future income. Many households start at $1 million and add more as their assets grow.
Do I need to raise my auto and home limits first?
Usually. Most umbrella carriers require minimum underlying limits on your auto and home policies. We set those up together so there is no gap.
Does a personal umbrella cover my business?
No. Personal umbrellas exclude business activities. Businesses need a commercial umbrella policy.
Find out what you should be paying
Tell us about your household. We compare carriers and come back with real quotes, usually within 1-2 days.