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Directory of umbrella insurance agents in Encinitas, California. Verify credentials with the state department of insurance before hiring.
13 agents listed
Updated May 2026
Encinitas, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 13 umbrella insurance agents in Encinitas, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
AAA Encinitas Insurance and Member Services
499 N El Camino Real, Encinitas, CA 92024
(760) 635-1020
ace.aaa.com
Lisa Trapp - State Farm Insurance Agent
1458 Encinitas Blvd, Encinitas, CA 92024
(760) 230-0231
youragentlisa.com
Katie Beach Harlan - State Farm Insurance Agent
531 Encinitas Blvd STE 119, Encinitas, CA 92024
(760) 753-4944
beachinsurance.us
Jake Cesare - State Farm Insurance Agent
227 N El Camino Real Ste 206, Encinitas, CA 92024
(760) 942-2277
youragentjake.com
Schulte Insurance Agency
1036 2nd St, Encinitas, CA 92024
(760) 436-5015
schulteinsurance.com
Nick Witzmann Insurance Agency
330 Encinitas Blvd suite 202c, Encinitas, CA 92024
162 S Rancho Santa Fe Rd F-45, Encinitas, CA 92024
(760) 943-4000
agents.farmers.com
Farmers Insurance - Sam Delegge
531 Encinitas Blvd STE 202, Encinitas, CA 92024
(760) 579-2727
agents.farmers.com
An umbrella insurance agent in Encinitas California helps you secure additional liability coverage beyond your standard home and auto policies. This extra layer of protection is important given California's high property values and active lifestyle risks. Local agents can tailor a policy to meet the unique needs of coastal homeowners and drivers in San Diego County.
What Does a Umbrella Insurance Agent in Encinitas Cost?
The cost of an umbrella insurance policy in California typically ranges from 150 to 500 dollars per year for one million dollars in coverage. Factors such as the number of vehicles, properties, and your claims history affect the premium. An Encinitas agent can provide a specific quote based on your personal risk profile. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Encinitas do?
An umbrella insurance agent in Encinitas helps you purchase a personal umbrella policy that provides extra liability coverage. This policy kicks in after your auto or home insurance limits are exhausted. The agent assesses your assets and risk factors to recommend appropriate coverage limits.
How much umbrella coverage do I need in California?
Most California agents recommend at least one million dollars in umbrella coverage to protect your assets. Your specific needs depend on your net worth, property holdings, and potential liability risks. A local Encinitas agent can review your situation and suggest a suitable limit.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.