The top-rated umbrella insurance agent in Madera, California is Fiesta Auto Insurance & Tax Service, rated 4.7 stars across 729 reviews. Other highly rated options include Cost-U-Less Insurance, AAA Madera Branch, Elite Home & Auto Insurance Agency. This directory lists 17 umbrella insurance agents serving Madera.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Fiesta Auto Insurance & Tax Service | 208 E Yosemite Ave | (559) 664-8800 |
| 2 | Cost-U-Less Insurance | 2380 W Cleveland Ave E-5 | (559) 397-0366 |
| 3 | AAA Madera Branch | 221 N G St | (559) 662-4700 |
| 4 | Elite Home & Auto Insurance Agency | 1629 Howard Rd | (559) 675-8400 |
| 5 | Farmers Insurance - Israel Cortes | 1825 Howard Rd Ste B | (559) 230-1300 |
| 6 | Ray Joseph Rezendes Jr - State Farm Insurance Agent | 1613 Howard Rd | (559) 673-9176 |
| 7 | Farmers Insurance - Jeffrey Jackson Ins Agency Inc | 321 W Yosemite Ave Ste 107 | (559) 674-8889 |
| 8 | Goosehead Insurance - David W Wagner | 36914 Ave 12 Unit 16 | (559) 286-0460 |
| 9 | Value Insurance Agency | 901 W Yosemite Ave | (559) 673-0100 |
| 10 | Moncali Insurance | 719 N D St Suite D | (559) 662-8798 |
Fiesta Auto Insurance & Tax Service primarily offers umbrella insurance for residential properties, providing an extra layer of liability protection beyond standard homeowners policies in Madera. Commercial coverage is also available for small businesses seeking higher liability limits. The firm serves clients throughout the Madera, California area and surrounding communities. Standard procedures include a thorough review of existing policies to identify coverage gaps. After an initial policy is written, the agent can typically coordinate follow-up adjustments whenever a client purchases a new vehicle or experiences a life change between regular visits.
Cost-U-Less Insurance in Madera, California, is known for providing essential umbrella insurance coverage that extends liability protection beyond standard home and auto policies. It serves local residents and small business owners seeking added security against major claims and lawsuits. Policies offer extra layers of defense for personal assets and future earnings when underlying limits are exhausted. This agency focuses on simple, clear policy options. It routinely evaluates each client’s exposure to risk. Customers can add on coverage for rental properties or recreational vehicles.
AAA Madera Branch serves Madera County and the surrounding region as a local provider of umbrella insurance policies. These policies offer additional liability coverage that extends beyond the limits of standard auto and homeowners insurance, helping to protect personal assets against major claims or lawsuits. The agency assists residents in assessing their individual liability risks and determining appropriate coverage levels for broader financial protection. Its services specifically include personal umbrella insurance and excess liability policy consultations tailored to local property and vehicle ownership circumstances.
Elite Home & Auto Insurance Agency in Madera, CA offers umbrella insurance coverage that extends liability protection beyond standard policies. Its services include evaluating client assets and recommending appropriate coverage limits to safeguard against major claims. Maintenance plans involve periodic policy reviews to adjust limits based on life changes or asset growth. The company also clarifies policy exclusions and coordinates excess coverage with underlying home and auto policies. It services single-family homes, apartments, retail spaces, and restaurants.
Farmers Insurance - Israel Cortes serves Madera and the surrounding communities in central California, handling the specialized area of umbrella insurance coverage. The agency works with clients to understand their existing liability limits from auto and homeowners policies. It then arranges additional layers of protection that go beyond those standard policy amounts. For a typical job, the agent reviews a client’s total asset exposure and personal risk profile, then presents a clear set of options for extending that coverage to meet their specific needs.
Ray Joseph Rezendes Jr - State Farm Insurance Agent in Madera, CA serves homeowners, businesses, and property managers who seek additional liability protection beyond standard policies. The agency helps clients secure umbrella insurance that covers personal assets and provides extra coverage against major claims or lawsuits. This form of insurance is useful for those with significant property or business operations that could face high liability risks. The agency also serves clients from surrounding areas, including Fresno and the broader Madera County region.
Farmers Insurance - Jeffrey Jackson Ins Agency Inc in Madera, CA provides umbrella insurance on both a one-time policy purchase and an annual recurring renewal basis. A local umbrella insurance agent helps protect clients by offering additional liability coverage that extends beyond the limits of standard auto, home, or watercraft policies. This coverage can safeguard personal assets against major claims or lawsuits. This agency’s service runs on a scheduled annual review basis to ensure coverage remains appropriate.
Goosehead Insurance - David W Wagner specializes in umbrella insurance coverage for Madera residents seeking excess liability protection beyond standard policies. The agency provides general insurance services addressing clients who require additional layers of financial security against major claims or lawsuits. This work includes evaluating existing homeowners and auto policies to recommend appropriate umbrella limits. During the holiday season or after homeowners host large gatherings, the agency often assists with reassessing liability exposure for potential guest injuries or property damage claims.
As spring rains return to Madera, the threat of water damage lawsuits often climbs for property owners. Moncali Insurance helps local residents and landlords protect their assets with personal umbrella liability coverage that extends beyond standard policy limits. This added shield can respond to costly claims involving tenant injuries or boundary disputes on residential and commercial land. The company typically starts by reviewing your existing home or auto policy to assess your current liability gaps before recommending specific coverage. An initial consultation and coverage assessment are arranged to evaluate your exposure.
What Does an a Umbrella Insurance Agent in Madera Cost?
The cost of an umbrella insurance policy in California typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Higher limits of 2 million to 5 million dollars may cost 300 to 1,000 dollars annually. Your actual premium depends on factors such as the number of vehicles in your household, your driving record, and the amount of underlying coverage you carry. This is general information and not insurance advice.
About umbrella insurance agents in Madera
An umbrella insurance agent in Madera, California can help you obtain a personal umbrella liability policy that provides additional coverage above your auto and homeowners insurance limits. This extra protection is important in California where high property values and litigation costs can put your assets at risk. A local agent understands the specific liability exposures common in the Central Valley and can tailor coverage to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Madera do?
An umbrella insurance agent helps you evaluate your current liability coverage and recommends an umbrella policy that extends your protection. They review your assets and risk factors to determine the appropriate coverage limit. In California, umbrella policies typically require you to have certain minimum underlying limits on your auto and home policies.
How much umbrella insurance do I need in California?
The amount of umbrella insurance you need depends on your net worth and potential liability risks. Many California agents recommend at least 1 million dollars in umbrella coverage. Higher limits may be advisable if you own rental property, have a swimming pool, or engage in activities that increase your liability exposure.
Is umbrella insurance required by law in California?
No, umbrella insurance is not required by California law. However, it is strongly recommended for anyone with significant assets to protect. California does not have a cap on pain and suffering damages in personal injury lawsuits, which means a single accident could result in a judgment exceeding your standard policy limits.
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