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Directory of umbrella insurance agents in Torrance, California. Verify credentials with the state department of insurance before hiring.
20 agents listed
Updated May 2026
Torrance, 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 20 umbrella insurance agents in Torrance, 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.
AAA Torrance Insurance and Member Services
23001 Hawthorne Blvd, Torrance, CA 90505
(310) 325-3111
ace.aaa.com
Freeway Insurance
1243 W Carson St, Torrance, CA 90502
(310) 746-5632
locations.freeway.com
Expert Auto Home Insurance - Mercury Auto Insurance
Barnett & Associates Insurance and Financial Services
2601 Airport Dr #280, Torrance, CA 90505
(310) 539-8466
barnettassoc.com
An umbrella insurance agent in Torrance California helps you secure extra liability coverage that goes beyond the limits of your auto and homeowners policies. California law requires minimum auto liability limits of 15/30/5 but a serious accident can easily exceed those amounts. An umbrella policy provides an additional layer of protection starting at one million dollars to shield your savings and future income.
What Does a Umbrella Insurance Agent in Torrance Cost?
Typical costs for a one million dollar umbrella policy in California range from 150 to 300 dollars per year. A two million dollar policy often costs between 250 and 500 dollars annually. Premiums vary based on your driving record, number of vehicles, and property owned. This is general information and 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 Torrance do?
An umbrella insurance agent helps you assess your personal liability risks and find a policy that provides extra coverage above your existing home and auto insurance. They explain policy terms and help you choose the right coverage limit for your situation.
Who needs umbrella insurance in California?
Anyone with significant assets or future earning potential should consider umbrella insurance. This includes homeowners with equity, investors, business owners, and drivers who want protection against large lawsuits common in California.
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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.