The top-rated umbrella insurance agent in Patterson, California is David Gonzales - Farmers Insurance Agency, rated 5.0 stars across 189 reviews. Other highly rated options include Fiesta Auto Insurance & Tax Service, Shield Uribe Insurance Agency, Jessica Garza Insurance Agency. This directory lists 10 umbrella insurance agents serving Patterson.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | David Gonzales - Farmers Insurance Agency | 600 N 2nd St #1 | (209) 894-7791 |
| 2 | Fiesta Auto Insurance & Tax Service | 106 E Las Palmas Ave #F | (209) 894-7269 |
| 3 | Shield Uribe Insurance Agency | 30 N 3rd St | (209) 892-4900 |
| 4 | Jessica Garza Insurance Agency | 254 Sperry Ave Unit 13 | (209) 894-7775 |
| 5 | Schut Insurance Services | 22 N 3rd St | (209) 892-6226 |
| 6 | Bruce Jensen: Primerica - Financial Services | 254 SPERRY AVE, 12 STE 10,11 | (209) 566-9332 |
| 7 | J CISNEROS INSURANCE AGENCY, INC | 11 Plaza Cir Ste F | (209) 538-2718 |
| 8 | Trilogy Insurance Brokers Inc | 100 N 4th St Suite 5 | (209) 892-2218 |
| 9 | Allstate Insurance Agent: Robert Ford | 11 Plaza, B | (209) 857-1154 |
| 10 | Allstate Insurance: Clayton Azevedo | 11 Plaza Cir c | (209) 894-2660 |
What Does an a Umbrella Insurance Agent in Patterson Cost?
The cost of umbrella insurance in California typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage, with additional increments of 50 to 100 dollars per million. Factors like your driving record, number of properties, and claims history affect the premium. In Patterson, rates may vary based on local risk factors. This is general information and not insurance advice.
About umbrella insurance agents in Patterson
Umbrella insurance provides an extra layer of liability protection beyond your auto, home, or watercraft policies. In Patterson, CA, an umbrella insurance agent can help you assess your personal risk and secure coverage that meets California state requirements. California law does not mandate umbrella insurance, but it is recommended for those with significant assets or higher liability exposure.
Frequently Asked Questions
What does umbrella insurance cover in Patterson, CA?
Umbrella insurance covers personal liability claims that exceed the limits of your underlying policies, such as auto or homeowners insurance. It also covers certain claims not included in those policies, like false arrest or slander. In California, it can help protect your savings and future wages from large lawsuit judgments.
How much umbrella insurance do I need in California?
The amount of umbrella insurance you need depends on your total assets and potential liability risks. Many agents in Patterson recommend at least 1 million dollars in coverage, but higher limits may be wise for those with rental properties or high net worth. California courts can award large damages, so a thorough risk assessment with an agent is important.
Do I need umbrella insurance if I have a homeowners policy in Patterson?
Yes, because homeowners policies in California typically have liability limits of 300,000 to 500,000 dollars. If a lawsuit exceeds that limit, your personal assets could be at risk. Umbrella insurance provides an additional layer, often starting at 1 million dollars, to cover the gap.
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