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Find Umbrella Insurance Agents Near You in Poway, CA

Browse umbrella insurance agents serving Poway, California. Updated 2026-07-14.

The top-rated umbrella insurance agent in Poway, California is Farmers Insurance - Marc Nimetz, rated 5.0 stars across 177 reviews. Other highly rated options include Bob Francy III - State Farm Insurance Agent, Kristin Francy - State Farm Insurance Agent, Del Dios Insurance Services Inc. This directory lists 10 umbrella insurance agents serving Poway.

Showing 10 umbrella insurance agents in Poway, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Farmers Insurance - Marc Nimetz15644 Pomerado Rd Ste 104(858) 866-8147
2Bob Francy III - State Farm Insurance Agent12605 Poway Rd ste a(858) 451-1915
3Kristin Francy - State Farm Insurance Agent12605 Poway Rd # C(858) 484-4141
4Del Dios Insurance Services Inc12923 Pomerado Rd # A(760) 975-9554
5Farmers Insurance - Cathy Peterson12759 Poway Rd #203(858) 748-3134
6Hannah Chavez: Allstate Insurance12700 Stowe Dr #220(858) 513-0110
7Mike Dolan - State Farm Insurance Agent12605 Poway Rd Ste B(858) 486-7290
8Ron Tocki Insurance Agency14260 Garden Rd #24b(858) 492-0511
9Mercury Insurance13446 Poway Rd(888) 637-2176
10Robert Hashim Insurance ServicesIpava Dr(858) 679-1507
FI
15644 Pomerado Rd Ste 104
Farmers Insurance - Marc Nimetz
Umbrella Insurance Agent · Poway, CA

Farmers Insurance - Marc Nimetz, serving the Poway area and San Diego County, offers personal umbrella liability insurance through a local agency. This type of policy provides extra liability coverage above standard auto and homeowners limits, protecting clients from major claims or lawsuits. The agent works with individuals to assess their assets and choose appropriate coverage levels. Specific services handled include umbrella policies that extend coverage for personal injury incidents and certain legal defense costs.

BF
12605 Poway Rd ste a
Bob Francy III - State Farm Insurance Agent
Umbrella Insurance Agent · Poway, CA

Bob Francy III - State Farm Insurance Agent in Poway, CA provides umbrella insurance policies designed to offer extra liability protection beyond standard home and auto coverage. Service includes reviewing existing policies to identify coverage gaps and recommending appropriate policy limits. Ongoing client support involves annual policy reviews to adjust for lifestyle or asset changes. The agency’s services apply to single-family homes, apartments, retail properties, and restaurants.

KF
12605 Poway Rd # C
Kristin Francy - State Farm Insurance Agent
Umbrella Insurance Agent · Poway, CA

Kristin Francy - State Farm Insurance Agent serves homeowners, businesses, and property managers in Poway, California, seeking umbrella insurance for added liability protection beyond standard policies. This agency helps clients secure coverage that safeguards assets against major claims and lawsuits. By working closely with each customer, the agent tailors policies to fit unique risk profiles and budgetary needs. In addition to Poway clients, the agency also covers the surrounding communities of Rancho Bernardo and the greater San Diego metro area.

DD
12923 Pomerado Rd # A
Del Dios Insurance Services Inc
Umbrella Insurance Agent · Poway, CA

Del Dios Insurance Services Inc in Poway, CA, offers umbrella insurance agents who help clients choose between one-time policy adjustments for a specific asset or recurring coverage updates to maintain adequate protection over time. Their services address liability gaps left by standard policies, ensuring broader financial security against major claims or lawsuits. Service typically runs on an as-needed basis, arranged whenever a client’s personal circumstances or asset profile demands a reassessment of their existing liability limits.

FI
12759 Poway Rd #203
Farmers Insurance - Cathy Peterson
Umbrella Insurance Agent · Poway, CA

Farmers Insurance - Cathy Peterson specializes in umbrella insurance, providing extended liability coverage that goes beyond standard auto and homeowners policies. Serving clients in Poway and the surrounding areas, the agency works with individuals to protect assets against major claims and lawsuits. The team assists with policy integration, ensuring umbrella coverage coordinates effectively with underlying plans. This service helps clients manage additional risk exposure during the rainy winter months, when flood and storm-related claims frequently increase.

HC
12700 Stowe Dr #220
Hannah Chavez: Allstate Insurance
Umbrella Insurance Agent · Poway, CA

Hannah Chavez Allstate Insurance serves Poway and the surrounding San Diego County communities, handling personal umbrella insurance policies that extend liability coverage beyond standard auto or homeowners limits. This additional protection helps safeguard local clients from major claims and lawsuits. Every quote begins with a careful review of existing underlying coverages and assets. The agency then structures a policy that coordinates seamlessly with base insurance, ensuring no gaps exist.

MD
12605 Poway Rd Ste B
Mike Dolan - State Farm Insurance Agent
Umbrella Insurance Agent · Poway, CA

As the rainy season approaches in Poway, homeowners and drivers look for added financial protection beyond standard policies. Mike Dolan of State Farm Insurance provides umbrella insurance to fill those potential gaps in liability coverage, offering a broader safety net for clients. This extra layer helps safeguard savings and future assets against major claims or lawsuits. In response to this need among local residents, the agent will review current policies and personal risk factors during an initial consultation to determine the appropriate coverage limits.

RT
14260 Garden Rd #24b
Ron Tocki Insurance Agency
Umbrella Insurance Agent · Poway, CA

Ron Tocki Insurance Agency in Poway, California provides comprehensive liability protection through umbrella insurance policies. This specialty coverage extends beyond the limits of standard home and auto policies, offering an additional layer of financial security against major claims or lawsuits. The agency works with individuals and businesses to identify potential exposure risks in their daily operations. Its services are valuable for enterprises such as offices, warehouses, and food service establishments needing extra liability safeguards.

MI
13446 Poway Rd
Mercury Insurance
Umbrella Insurance Agent · Poway, CA

Mercury Insurance serves residents of Poway, California, and the surrounding communities of Rancho Bernardo, Scripps Ranch, and Sabre Springs. This agency handles personal umbrella insurance policies that provide additional liability coverage beyond standard homeowners and auto limits. It works with individuals who seek extra financial protection against major claims or lawsuits. Typical job handling begins with a thorough risk assessment of the client's current assets and existing policies, followed by a tailored recommendation designed to close potential coverage gaps.

RH
Ipava Dr
Robert Hashim Insurance Services
Umbrella Insurance Agent · Poway, CA

Robert Hashim Insurance Services provides residential umbrella insurance coverage for clients in Poway, California, offering an extra layer of liability protection beyond standard homeowners policies. The agency also extends commercial umbrella coverage for local small businesses, serving the surrounding San Diego County communities. These policies help protect assets against major claims and lawsuits. The agent follows up with insured clients between regularly scheduled policy reviews to address coverage adjustments or questions.

What Does an a Umbrella Insurance Agent in Poway Cost?

In California, umbrella insurance typically costs between 150 and 300 dollars per year for the first 1 million dollars of coverage. Additional coverage of 1 million dollars may cost 75 to 150 dollars per year. Rates vary based on your risk profile, number of properties, and driving record. This is general information, not insurance advice.

About umbrella insurance agents in Poway

Umbrella insurance provides additional liability coverage beyond the limits of your auto and homeowners policies. In Poway, California, an umbrella insurance agent can help you secure this extra layer of protection, which is especially valuable given California's high cost of living and litigation risks. A local agent understands state-specific requirements and can tailor a policy to your needs.

Frequently Asked Questions

What does an umbrella insurance agent in Poway do?

An umbrella insurance agent helps you purchase a personal umbrella policy that covers liability claims above your primary insurance limits. They assess your assets and risks to recommend an appropriate coverage amount. In California, this is important because state law does not cap most personal injury damages.

How much umbrella insurance do I need in Poway?

The amount of umbrella insurance you need depends on your assets, income, and potential liability risks. Many agents suggest coverage equal to your net worth. In California, where property values are high, a policy of 1 million to 5 million dollars is common.

Can umbrella insurance cover legal defense costs in California?

Yes, umbrella policies typically cover legal defense costs for covered claims, even if the lawsuit is groundless. In California, this can be critical because the state has a two-year statute of limitations for most personal injury lawsuits, meaning claims can arise long after an incident.

Umbrella Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.