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Find Umbrella Insurance Agents Near You in Union City, CA

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

The top-rated umbrella insurance agent in Union City, California is Hera Tong Gutierrez - State Farm Insurance Agent, rated 5.0 stars across 145 reviews. Other highly rated options include Gill Financial & Insurance Services, Jeff Sinfuego - State Farm Insurance Agent, Tony Huey: Allstate Insurance. This directory lists 15 umbrella insurance agents serving Union City.

Showing 15 umbrella insurance agents in Union City, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Hera Tong Gutierrez - State Farm Insurance Agent32145 Alvarado-Niles Rd # 205(510) 972-0968
2Gill Financial & Insurance Services31080 Union City Blvd # 201(510) 888-1180
3Jeff Sinfuego - State Farm Insurance Agent4123 Dyer St Ste 210(510) 431-3514
4Tony Huey: Allstate Insurance1780 Whipple Rd STE 201(510) 429-5788
5Global Green Insurance Agency of the Bay Area32146 Alvarado Blvd(510) 487-1000
6Golden Bay Insurance Agency, Inc.33436 Alvarado-Niles Rd(510) 487-2225
7Coker & Arias Insurance1780 Whipple Rd STE 104(510) 471-1871
8Bill Stone: Allstate Insurance33436 Alvarado-Niles Rd(510) 487-2225
9Farmers Insurance - Elizabeth Banuelos33125 Mission Blvd(510) 580-3077
10Banuelos Insurance and Tax Services33125 Mission Blvd(510) 580-3077
HT
32145 Alvarado-Niles Rd # 205
Hera Tong Gutierrez - State Farm Insurance Agent
Umbrella Insurance Agent · Union City, CA

Hera Tong Gutierrez - State Farm Insurance Agent serves the Union City, California area as an umbrella insurance agent. This agency helps local homeowners and drivers obtain additional liability coverage beyond their standard policies. Umbrella insurance provides an extra layer of financial protection for unforeseen accidents or lawsuits. The agent assists clients in assessing their personal risk exposure. Specific handled services include reviewing existing home and auto policies to recommend appropriate umbrella policy limits.

GF
31080 Union City Blvd # 201
Gill Financial & Insurance Services
Umbrella Insurance Agent · Union City, CA

Gill Financial & Insurance Services in Union City, CA, provides umbrella insurance agent services that extend liability coverage beyond standard policies for added financial protection. It manages the procurement of umbrella policies that safeguard against major claims or lawsuits. The company assists clients with reviewing and adjusting coverage limits to fit changing risk profiles. It services a range of property types, including single-family homes, apartments, retail establishments, and restaurants.

JS
4123 Dyer St Ste 210
Jeff Sinfuego - State Farm Insurance Agent
Umbrella Insurance Agent · Union City, CA

Homeowners, businesses, and property managers in Union City, CA turn to Jeff Sinfuego - State Farm Insurance Agent for comprehensive umbrella insurance coverage. This agent helps clients secure an extra layer of liability protection that extends beyond the limits of standard home or auto policies. Such policies are essential for safeguarding personal assets against unexpected lawsuits or major claims. Jeff Sinfuego also serves clients throughout the nearby Fremont metropolitan area, ensuring broader local access to essential umbrella insurance solutions.

TH
1780 Whipple Rd STE 201
Tony Huey: Allstate Insurance
Umbrella Insurance Agent · Union City, CA

Tony Huey: Allstate Insurance serves the greater Union City area and surrounding Bay Area communities. This agency handles umbrella insurance, which extends extra liability coverage beyond standard home and auto policies to help protect clients from major claims. It addresses risks such as lawsuits or significant property damage that could exceed primary policy limits. For a typical job, the agency reviews a client’s existing coverage to identify gaps, then proposes a policy that adds a high-limit layer of protection.

GG
32146 Alvarado Blvd
Global Green Insurance Agency of the Bay Area
Umbrella Insurance Agent · Union City, CA

Global Green Insurance Agency of the Bay Area provides umbrella insurance coverage for clients in Union City, CA. One-time service options allow policyholders to secure a single policy for a defined liability protection period, while recurring service ensures ongoing coverage adjustments as risks evolve. This agency addresses both personal and business umbrella policies, offering an extra layer of liability protection above standard auto or homeowners’ limits. Service for umbrella insurance runs on a one-time, scheduled, or as-needed basis to accommodate changing protection requirements.

GB
33436 Alvarado-Niles Rd
Golden Bay Insurance Agency, Inc.
Umbrella Insurance Agent · Union City, CA

Golden Bay Insurance Agency, Inc. in Union City, California offers specialty services in excess liability coverage, which provides an extra layer of protection beyond standard home and auto policies. The agency also assists local residents with evaluating personal assets and reducing potential financial exposure from large claims or lawsuits. When the rainy season increases the risk of flooding or vehicle accidents on slick roads, this office helps clients adjust their coverage limits to address heightened liability concerns during winter months.

CA
1780 Whipple Rd STE 104
Coker & Arias Insurance
Umbrella Insurance Agent · Union City, CA

When seasonal storms pass through Union City, the need for personal liability coverage often rises as homeowners review their overall financial risk. Coker & Arias Insurance serves this local need by explaining how umbrella insurance can provide added protection beyond standard auto and home policies, helping residents safeguard their assets in the San Francisco Bay Area. This firm typically begins by reviewing a client's current coverage to identify gaps in liability limits. An initial assessment then evaluates the property and liability exposures before offering tailored options.

BS
33436 Alvarado-Niles Rd
Bill Stone: Allstate Insurance
Umbrella Insurance Agent · Union City, CA

Bill Stone: Allstate Insurance in Union City, CA provides residential umbrella insurance coverage to protect homeowners and renters from major liability claims. The agency also offers commercial umbrella policies for local businesses needing extra protection above standard limits, serving clients throughout Union City and the surrounding area. By connecting with customers on a regular basis, this office helps policyholders review their changing coverage needs and arrange follow-up service between standard renewal visits to ensure ongoing protection.

FI
33125 Mission Blvd
Farmers Insurance - Elizabeth Banuelos
Umbrella Insurance Agent · Union City, CA

Farmers Insurance - Elizabeth Banuelos provides general insurance coverage and then specializes in umbrella insurance add-ons to extend liability protection. This policy layer increases basic policy limits, offering broader protection against major claims or lawsuits. Based in Union City, CA, the agency serves local clients needing extra security beyond standard home or auto policies. It can serve commercial sectors such as offices, warehouses, and food service establishments, helping them manage higher liability exposures through supplementary umbrella coverage.

BI
33125 Mission Blvd
Banuelos Insurance and Tax Services
Umbrella Insurance Agent · Union City, CA

Banuelos Insurance and Tax Services in Union City, CA, is known for helping clients manage liability risks through umbrella insurance policies. Its service range extends beyond standard coverage to address potential gaps in primary home and auto policies. Umbrella insurance provides extra financial protection against major claims and lawsuits, a valuable safeguard in the local area. The company also offers tax preparation as a specialty service for individuals and small businesses.

FI
33515 Western Ave
Farmers Insurance - Daphne Delos Santos
Umbrella Insurance Agent · Union City, CA
(510) 475-5850
agents.farmers.com/ca/union-city/daphne-delos-santos
FI
3995 Smith St Ste 9
Farmers Insurance
Umbrella Insurance Agent · Union City, CA
(510) 429-8900
farmersagent.com/gkaila
CS
33331 Alvarado-Niles Rd
Cathy Start - State Farm Insurance Agent
Umbrella Insurance Agent · Union City, CA
(510) 471-8816
cathystart.com
FI
32145 Alvarado-Niles Rd Ste 216
Farmers Insurance - Paramjit Singh
Umbrella Insurance Agent · Union City, CA
(510) 675-9295
agents.farmers.com/ca/union-city/paramjit-singh
GF
33006 Calle La Mirada Common
Godinez Financial and Insurance Services
Umbrella Insurance Agent · Union City, CA
(510) 552-4334

What Does an a Umbrella Insurance Agent in Union City 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, cost more but still offer significant value compared to the coverage amount. Factors like your driving record, property value, and number of vehicles or properties affect the premium. This is general information and not insurance advice.

About umbrella insurance agents in Union City

An umbrella insurance agent in Union City, California can help you secure extra liability coverage that goes beyond your auto or homeowners policy limits. California law requires minimum auto liability coverage of 15/30/5, but an umbrella policy can provide an additional layer of protection against major claims or lawsuits. Union City residents often seek this coverage to safeguard their savings and future earnings from unexpected liability events.

Frequently Asked Questions

What does an umbrella insurance policy cover in California?

An umbrella policy covers liability claims that exceed the limits of your underlying auto, home, or renters insurance. It also covers certain claims not included in those policies, such as libel, slander, or false arrest. In California, it can help protect against large judgments in personal injury or property damage lawsuits.

How much umbrella coverage do I need in Union City?

Most agents recommend at least 1 million dollars in umbrella coverage, but your specific needs depend on your assets, income, and risk exposure. California courts can award large settlements, so higher limits may be wise if you own a home, have significant savings, or engage in activities with higher liability risk.

Do I need to have certain underlying policies to buy umbrella insurance in California?

Yes, you must have a base auto or homeowners policy with certain minimum liability limits. In California, common requirements are 250,000 dollars per person and 500,000 dollars per accident for auto liability, and 300,000 dollars for homeowners liability. Your agent can verify the exact limits needed for your specific policy.

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.