Extra protection for life’s biggest risks.
Umbrella Insurance
Umbrella insurance provides an additional layer of liability coverage beyond your auto, home, renters, or condo policy. In a region like the Bay Area — where medical costs, property values, and lawsuit risks are higher than average — an umbrella policy can protect your finances, your family, and your long-term plans when the unexpected happens.
Peace of mind that extends beyond the basics.
What’s Included
Standard policies only go so far. If you’re involved in a major accident or face a large liability claim, your auto or home insurance may not cover the full cost. Umbrella insurance steps in when your underlying limits are exhausted, offering broad protection at a surprisingly affordable price. We help Albany and Bay Area families choose the right coverage amount for their lifestyle and risk level.
01
Additional Liability Coverage
Umbrella policies typically start at $1 million in extra liability protection, extending the limits of your auto, home, renters, or condo insurance. This protects you from costly lawsuits, medical bills, and property damage claims that exceed your base coverage.
02
Protection for Serious Accidents
If you’re responsible for a major car accident, severe injury, or significant property damage, umbrella insurance helps cover judgments, settlements, and legal fees once your primary policy pays out its limit.
03
Coverage for Personal Risks
Many umbrella policies offer protection against personal injury claims such as libel, slander, or defamation — valuable for professionals, business owners, or anyone active online or in public roles.
04
Worldwide Coverage
Your liability risk doesn’t stop at the state line. Umbrella insurance can protect you during travel, extended stays, or incidents that happen outside the United States.
05
Protection for High-Exposure Situations
Recommended for households with teen drivers, swimming pools, rental properties, pets, or frequent visitors — all situations that increase liability risk in California’s legal environment.
06
Affordable, High-Value Protection
Umbrella policies are often available for just a few hundred dollars per year. Considering the coverage amount, they’re one of the most cost-effective ways to protect your assets and financial future.
Why Umbrella Coverage Matters
Liability claims can escalate quickly — especially in the Bay Area, where injury treatment, vehicle repairs, and legal costs are significantly higher than the national average. An umbrella policy shields your savings, income, and assets if you’re ever involved in a worst-case scenario. For homeowners, high-net-worth clients, landlords, or families with teen drivers, umbrella insurance is a smart, affordable safety net.