Personal Insurance
Extra liability protection above your home and auto
A serious accident can lead to a claim larger than your auto or homeowners liability limits. A personal umbrella policy adds another layer, often starting at $1 million, above those policies.
Online quotes for home, auto and other personal coverage are prepared through the Bolt quoting platform. Some coverage and carrier options are quoted by phone. Selecting "Start a Personal Lines Quote" takes you to a third-party website that has its own privacy policy and terms. A quote is not a binder or a guarantee of coverage.
Jacob (Jake) Livingood · CA License #4135028
Umbrella coverage can also extend to some claims your underlying policies do not cover, depending on the policy form.
What umbrella insurance can cover
Excess liability
Pays covered liability claims after your underlying auto, home or watercraft limits are used up.
Broader coverage
Some umbrella forms cover certain personal injury claims such as libel or slander, subject to a retained limit.
Defense costs
Many umbrella policies include legal defense costs for covered claims.
Things to consider
- Insurers require minimum underlying liability limits on your auto and home policies.
- Umbrellas are worth considering if you have teen drivers, rental properties, a pool, or significant savings.
- List every vehicle, rental and watercraft so there are no gaps.
This is a general description, not a policy. Coverage, limits and exclusions vary by insurer and are governed by the policy actually issued.
Frequently asked questions
How much does an umbrella policy cost?
It depends on the insurer, your drivers, properties and the limit you choose. Call us for a quote based on your situation.
Do I need my home and auto with the same company?
Not always, but some insurers require it or offer a discount. We will show you the options.
Jake Livingood
Licensed Agent · CA License #4135028
Send the form and I'll personally follow up during business hours.
Call (530) 813-9150Related coverage
Auto Insurance
Compare California auto insurance options with a local, licensed agent in Yuba City. Liability, collision, comprehensive and uninsured motorist coverage.
Learn more →
Homeowners Insurance
Homeowners insurance help for Yuba-Sutter and Northern California homeowners, including wildfire areas, FAIR Plan pairing and dwelling, liability and contents coverage.
Learn more →
Renters Insurance
Affordable renters insurance for apartments and rental homes in Yuba-Sutter, Chico and Northern California. Protect your belongings and liability.
Learn more →