The top-rated umbrella insurance agent in Temecula, California is Old Harbor Insurance Services, rated 5.0 stars across 1,246 reviews. Other highly rated options include Freeway Insurance, Inszone Insurance Services, Julie Ngo - State Farm Insurance Agent. This directory lists 19 umbrella insurance agents serving Temecula.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Old Harbor Insurance Services | 43015 Black Deer Loop #201 | (951) 297-9740 |
| 2 | Freeway Insurance | 43094 Vía Dos Picos STE B | (951) 842-3305 |
| 3 | Inszone Insurance Services | 27710 Jefferson Ave STE 100 | (951) 676-6000 |
| 4 | Julie Ngo - State Farm Insurance Agent | 41881 5th St | (951) 695-2625 |
| 5 | Hawkguard Insurance Services | 28545 Old Town Front St #201A | (951) 494-7272 |
| 6 | AAA Temecula Insurance and Member Services | 26403 Ynez Rd | (951) 694-9403 |
| 7 | Rick Douglas - State Farm Insurance Agent | 27300 Jefferson Ave Ste B | (951) 296-5636 |
| 8 | Farmers Insurance - Austin Heiland | 27393 Ynez Rd #158 | (951) 676-6692 |
| 9 | Daniel Brooks - State Farm Insurance Agent | 32140 Temecula Pkwy STE 104 | (951) 699-0940 |
| 10 | Carver Insurance Services, Inc - Temecula | 33321 Temecula Pkwy Suite 102 | (951) 676-0540 |
Old Harbor Insurance Services serves Temecula and the surrounding Riverside County area as an umbrella insurance agent. It provides supplemental liability coverage that extends beyond the limits of standard home and auto policies. This protects clients from major claims and lawsuits that could otherwise threaten personal assets. The agency focuses on customizing coverage limits to match each client’s specific risk profile and property value. It handles personal umbrella policies for homeowners and also provides excess liability solutions for auto policyholders.
Freeway Insurance in Temecula, California, is known for providing personalized umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Its services assist clients in protecting assets against major claims and lawsuits. As an umbrella insurance agent, the company helps evaluate individual risk exposure to determine appropriate coverage amounts for local residents. It can advise on coordinating umbrella policies with existing insurance plans. A specialty service it offers is customized planning for high-net-worth individuals requiring additional layers of liability protection.
Inszone Insurance Services serves the Temecula, California area and its surrounding communities as a provider of umbrella insurance agent services. The firm assists clients in securing additional liability coverage that extends beyond the limits of standard auto and homeowners policies. Umbrella insurance helps protect personal assets from major claims or lawsuits. The company specifically handles policy evaluations to determine appropriate coverage amounts and facilitates the integration of umbrella policies with existing primary insurance plans.
Julie Ngo - State Farm Insurance Agent in Temecula, CA, serves homeowners, businesses, and property managers by offering umbrella insurance policies that provide additional liability coverage beyond standard limits. This extra layer of protection helps safeguard assets and future earnings against major claims or lawsuits. The office assists clients in reviewing existing policies to identify potential coverage gaps. It also extends its services and expertise to the neighboring communities of Murrieta and the broader Temecula Valley area.
Hawkguard Insurance Services serves the Temecula area and surrounding communities in Southern California, handling umbrella insurance policies for residents and businesses. These policies provide additional liability coverage beyond standard homeowners and auto policies, offering crucial protection against major claims or lawsuits. For a typical job, the agent reviews a client's existing liability limits and assets to determine the appropriate level of extra coverage needed, then carefully coordinates the new policy to align seamlessly with their current insurance portfolio.
AAA Temecula Insurance and Member Services provides umbrella insurance solutions that extend liability coverage beyond standard policies for property owners in Temecula, CA. Its service includes explaining how umbrella policies offer an extra layer of protection against major claims or lawsuits. Maintenance plans focus on annually reviewing coverage limits to keep pace with changing asset values and liability risks. The company services single-family homes, apartments, retail spaces, and restaurants.
Rick Douglas - State Farm Insurance Agent in Temecula, CA offers umbrella insurance policies with both one-time and recurring service options. One-time service allows clients to secure a single policy for a set period, while recurring service establishes ongoing protection with regular premium payments. Coverage extends beyond standard liability limits, providing additional financial security against major claims or lawsuits. Service for umbrella insurance runs on a scheduled basis, typically tied to annual renewals or when policyholders request adjustments to their liability coverage.
Farmers Insurance - Austin Heiland in Temecula, CA specializes in offering umbrella insurance policies that extend liability coverage beyond standard home and auto limits. This agency works with local residents to assess their personal risk exposure and secure additional protection for assets. Umbrella coverage is particularly valuable during the rainy winter months in Southern California when property damage claims and liability from slip-and-fall incidents tend to increase.
As wildfire season approaches in Temecula, property owners often review their liability coverage more closely. Daniel Brooks, a local umbrella insurance agent, assists residents in evaluating gaps left by standard homeowners and auto policies. Umbrella insurance provides an extra layer of protection when underlying liability limits are exhausted, helping to safeguard personal assets against major claims. Brooks guides clients through policy comparisons tailored to their specific property exposures and driving habits. An initial review of existing coverage and asset values begins the process of determining appropriate umbrella limit recommendations.
Carver Insurance Services, Inc in Temecula helps clients identify and manage their personal liability risks through general insurance brokerage. Its specialty includes umbrella insurance, which provides extra coverage beyond standard home and auto policies for added financial protection. This extended liability coverage safeguards assets from major lawsuits or claims. The company serves a diverse range of commercial sectors, including offices, warehouses, and food service establishments.
What Does an a Umbrella Insurance Agent in Temecula Cost?
In California, the cost of a personal umbrella insurance policy typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage, depending on your risk factors. Higher coverage limits, such as 2 million or 5 million dollars, will cost more. Factors like your driving record, number of properties, and claims history affect the premium. This is general information and does not constitute insurance advice.
About umbrella insurance agents in Temecula
Umbrella insurance agents in Temecula help residents secure extra liability coverage beyond standard auto and home policies. California law requires minimum auto liability limits, but an umbrella policy can provide additional protection for assets. Temecula homeowners and drivers often seek this coverage to guard against large claims or lawsuits.
Frequently Asked Questions
What does an umbrella insurance agent in Temecula do?
An umbrella insurance agent in Temecula helps you purchase a personal liability umbrella policy that covers claims exceeding your primary insurance limits. The agent reviews your assets and risk profile to recommend an appropriate coverage amount. This service is especially useful for California residents with high net worth or potential liability exposures.
How much umbrella coverage do I need in Temecula California?
The amount of umbrella coverage you need depends on your assets and income. Many agents recommend at least 1 million dollars in coverage, which is a common starting point in California. Your agent can help you evaluate your personal situation to determine the right limit.
Are there California laws that affect umbrella insurance policies?
Yes, California law requires all drivers to carry minimum liability insurance of 15,000 dollars per person and 30,000 dollars per accident for bodily injury. Umbrella policies typically require you to have higher underlying limits, such as 250,000 dollars per person and 500,000 dollars per accident for auto liability. Your agent can explain these requirements.
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