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Looking for a umbrella insurance agent in Palo Alto? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Palo Alto, 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 10 umbrella insurance agents in Palo Alto, 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.
ERGO NEXT (NEXT Insurance)
975 California Ave, Palo Alto, CA 94304
(855) 222-5919
nextinsurance.com
Candice Kistner - State Farm Insurance Agent
576 Cambridge Ave, Palo Alto, CA 94306
(650) 424-1100
insurancebycandice.com
WHINS Insurance Agency
300 Hamilton Ave #1002, Palo Alto, CA 94301
(650) 899-1115
whins.com
Farmers Insurance - Jay Schmidt
459 Hamilton Ave UNIT 207, Palo Alto, CA 94301
(650) 329-8711
agents.farmers.com
Allstate Insurance Agent Harold Lorber
467 Hamilton Ave #11, Palo Alto, CA 94301
(650) 322-5191
agents.allstate.com
Amanda Martin - State Farm Insurance Agent
Charleston Shopping Center, 3968 Middlefield Rd, Palo Alto, CA 94303
(650) 494-1404
amandajmartin.com
Helix Ventures
550 Waverley St, Palo Alto, CA 94301
(213) 652-4442
Insurance by Lee Aldinger Insurance
460 California Ave Suite #203, Palo Alto, CA 94306
(650) 326-3350
aldingerins.com
Allied Brokers Insurance Agency, Inc.
591 Lytton Ave, Palo Alto, CA 94301
(650) 328-1000
alliedbrokers.com
Marketside Insurance Services
4083 Transport St, Palo Alto, CA 94303
(650) 858-1123
marketside.net
Umbrella insurance agents in Palo Alto help clients secure extra liability coverage beyond standard home and auto policies. In California, where high property values and frequent lawsuits are common, an umbrella policy provides an additional layer of protection. Local agents understand the specific risks faced by Bay Area residents, such as earthquake liability and high-cost litigation.
What Does a Umbrella Insurance Agent in Palo Alto 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, such as 2 million or 5 million dollars, may cost 300 to 1,000 dollars annually. Factors affecting price include your home and auto insurance carrier, driving record, and number of properties. Costs vary widely by case. 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 Palo Alto do?
An umbrella insurance agent helps you purchase a personal umbrella liability policy that covers claims above your home and auto limits. In California, these policies often start at 1 million dollars in coverage and can protect assets like homes, savings, and future income.
How much umbrella insurance do I need in California?
The amount depends on your net worth and potential risk. Many California agents recommend at least 1 million dollars in coverage. If you own a home in Palo Alto or have significant investments, higher limits may be appropriate to protect against large lawsuits.
Is umbrella insurance required by California law?
No, California law does not require umbrella insurance. However, it is strongly recommended for anyone with assets to protect. California courts often award large settlements in personal injury cases, making umbrella coverage a prudent choice for high net worth individuals.
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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.