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Directory of umbrella insurance agents in Lemon Grove, California. Verify credentials with the state department of insurance before hiring.
5 agents listed
Updated May 2026
Lemon Grove, 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 5 umbrella insurance agents in Lemon Grove, 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.
Fiesta Auto Insurance & Tax Service
7127 Broadway, Lemon Grove, CA 91945
(619) 467-7497
fiestainsurance.com
Fred Loya Insurance
7285 Broadway, Lemon Grove, CA 91945
(619) 668-8530
fredloya.com
Marisol Trujillo: Allstate Insurance
7227 Broadway Ste 102, Lemon Grove, CA 91945
(619) 589-0041
agents.allstate.com
Royalty Insurance Services
7951 Broadway, Lemon Grove, CA 91945
(619) 463-4500
Daris Hochwender - State Farm Insurance Agent
7733 Palm St Ste 212, Lemon Grove, CA 91945
(619) 464-0389
statefarm.com
Umbrella insurance agents in Lemon Grove, California help residents secure additional liability coverage that kicks in after standard auto or homeowners policies are exhausted. California law requires minimum auto liability limits, but an umbrella policy can provide $1 million or more in extra protection. Local agents understand the specific risks and legal environment in San Diego County.
What Does a Umbrella Insurance Agent in Lemon Grove Cost?
Umbrella insurance in California typically costs between $150 and $400 per year for $1 million in coverage, depending on your risk profile and insurance company. Adding additional millions usually costs less per million. Premiums are higher for drivers with tickets or homeowners with swimming pools. This is general information, 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 Lemon Grove do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding your underlying insurance limits. This includes incidents like car accidents or injuries on your property. The agent evaluates your assets and risk exposure to recommend an appropriate coverage amount.
How much umbrella coverage do I need in California?
Most California agents suggest at least $1 million in umbrella coverage, but the right amount depends on your assets and income. High net worth individuals often carry $2 million to $5 million. California does not set a minimum for umbrella policies, but insurers usually require underlying auto and home liability limits of $300,000 or more.
Is umbrella insurance required by California law?
No, California law does not require umbrella insurance. However, it is strongly recommended if you have significant assets or face higher liability risks. California courts can award large judgments, and umbrella coverage helps protect your savings and future earnings.
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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.