The top-rated umbrella insurance agent in Irvine, California is AIS Insurance - Headquarters, rated 4.9 stars across 1,525 reviews. Other highly rated options include CKS INSURANCE AGENCY - 金盾保险, KCAL Insurance Agency (Irvine) | 華興保險, Steven Wang - State Farm Insurance Agent. This directory lists 19 umbrella insurance agents serving Irvine.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AIS Insurance - Headquarters | 19800 MacArthur Blvd #1050 | (949) 660-7061 |
| 2 | CKS INSURANCE AGENCY - 金盾保险 | 2691 Richter Ave #122 | (949) 870-9018 |
| 3 | KCAL Insurance Agency (Irvine) | 華興保險 | 14795 Jeffrey Rd #209 | (949) 786-6888 |
| 4 | Steven Wang - State Farm Insurance Agent | 9279 Research Dr | (949) 552-3600 |
| 5 | Great Park Insurance | 10 Corporate Park #130 | (949) 387-3242 |
| 6 | Farmers Insurance - Pepper Hu | 3 Corporate Park #220 | (626) 666-6664 |
| 7 | Any Insurance Services (Irvine) 全民保險 | 980 Roosevelt Suit 200A | (949) 943-1789 |
| 8 | BearStar Insurance | 2151 Michelson Dr # 150 | (888) 601-0088 |
| 9 | Brightway Insurance, The Lee Agency | 4200 Trabuco Rd Ste 216 | (949) 396-1070 |
| 10 | Peterka Insurance | 3240 El Camino Real # 150 | (714) 289-1099 |
AIS Insurance - Headquarters serves the Irvine, California metro area as a provider of umbrella insurance policies. This local agency assists individuals and families in securing supplemental liability coverage that extends beyond the limits of standard homeowners, auto, or watercraft policies. Such protection helps safeguard personal assets in the event of a major accident or lawsuit. By acting as an additional layer of financial security, their team helps clients manage risk effectively. Their services in this area include personal umbrella liability coverage and excess liability insurance for residential property owners.
At CKS INSURANCE AGENCY - 金盾保险 in Irvine, CA, customers receive guidance on umbrella insurance policies that provide extended personal liability coverage beyond standard home and auto plans. Their services include evaluating individual risk factors and selecting appropriate excess liability limits for strong protection. Maintenance plans involve periodic policy reviews to adjust coverage as circumstances evolve. The agency services a range of properties, including single-family homes, apartments, retail locations, and restaurants.
Homeowners, renters, and small business owners in Irvine turn to KCAL Insurance Agency | 華興保險 for tailored umbrella insurance policies that extend liability coverage beyond standard home and auto limits. These policies provide crucial protection against major claims and lawsuits, offering financial security for personal assets and business operations. Serving the diverse needs of the local community, the agency also counsels clients in areas such as Tustin and the broader Orange County metro.
Steven Wang - State Farm Insurance Agent serves the Irvine, California area and its surrounding communities. It handles umbrella insurance policies, which provide additional liability coverage beyond standard home and auto limits. This extra protection helps safeguard personal assets and future earnings against major claims or lawsuits. When working with a client, it first reviews existing home and auto policies to determine an adequate umbrella amount, then coordinates all coverage layers into a seamless, unified plan.
Great Park Insurance offers both one-time and recurring service options for umbrella insurance in Irvine, CA. One-time consultations help evaluate existing liability coverage against personal assets, while recurring reviews can adjust coverage as policies or circumstances change. Umbrella liability policies typically extend underlying auto and homeowners insurance limits, providing additional protection against major claims. Service for established clients generally operates on an as-needed basis, allowing individuals to request a review when purchasing a new home, vehicle, or starting a business.
Specializing in umbrella insurance policies, Farmers Insurance - Pepper Hu in Irvine, CA provides additional liability coverage beyond standard home and auto limits, protecting clients from major claims and lawsuits. The agency also assists with general property and casualty insurance needs for local residents and businesses. With California’s wildfire and earthquake risks, it helps ensure families have sufficient liability protection during seasonal weather events that could lead to expensive lawsuits.
Southern California’s unpredictable weather often leaves Irvine property owners reassessing their liability exposure, and Any Insurance Services (Irvine) 全民保險 helps them address these gaps through umbrella insurance coverage. By extending extra layers of protection beyond standard homeowners and auto policies, the agency enables residents to safeguard personal assets from large claims or lawsuits. The process for obtaining a new umbrella policy typically begins with a free review of existing underlying coverages and an initial assessment of property risk factors.
BearStar Insurance assists clients with liability protection, focusing on umbrella insurance agents serving the Irvine area. This agency helps individuals and businesses secure coverage that extends beyond standard policy limits, offering broader financial safeguards against lawsuits and property damage claims. The company addresses the needs of commercial sectors including offices, warehouses, and food service operations, where additional liability layers are often essential for risk management and ongoing operational stability.
Brightway Insurance, The Lee Agency in Irvine, CA provides residential umbrella insurance coverage to help protect homeowners from major liability claims that exceed standard policy limits. Commercial umbrella policies are also available for local businesses seeking additional liability protection. The agency serves clients throughout the Irvine area and surrounding Orange County communities. After an initial policy is issued, the agent typically follows up periodically to review coverage needs, ensuring that limits remain appropriate between regular household or business policy renewals.
Peterka Insurance, located in Irvine, CA, is known for connecting local residents and businesses with umbrella insurance policies that provide extra liability coverage beyond standard homeowners and auto plans. Their service range includes assessing individual risk profiles to recommend appropriate excess liability limits for greater financial protection in this region. The agency also specializes in helping clients coordinate umbrella coverage with existing underlying insurance policies to close potential gaps.
What Does an a Umbrella Insurance Agent in Irvine Cost?
Umbrella insurance premiums in California typically range from 150 to 500 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 1500 dollars annually. Costs vary based on your claims history credit score and the number of properties or vehicles you own. This is general information and not insurance advice.
About umbrella insurance agents in Irvine
An umbrella insurance agent in Irvine California helps you secure additional liability protection beyond your auto home or watercraft policies. In California courts often award large settlements making umbrella coverage a practical safeguard for high net worth individuals. Agents in Irvine understand local risk factors like earthquake exposure and the state's shared liability laws.
Frequently Asked Questions
What does an umbrella insurance agent in Irvine do?
An umbrella insurance agent in Irvine helps you purchase a personal liability umbrella policy that extends coverage limits after your underlying policies are exhausted. They assess your assets and risk profile to recommend appropriate coverage amounts. Agents also ensure your policy complies with California insurance regulations.
How much umbrella coverage do I need in California?
Most California umbrella policies start at 1 million dollars and go up to 5 million dollars or more. The amount you need depends on your net worth income and potential liability exposure. An agent can help you calculate a suitable limit based on your personal situation.
Are there California specific requirements for umbrella insurance?
California law does not require umbrella insurance but it often requires underlying policies to meet minimum liability limits. For example your auto policy may need at least 250000 per person and 500000 per accident. An agent in Irvine can verify your underlying policies meet these thresholds.
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