Could One Large Liability Claim Put Your Savings at Risk?
Your auto and homeowners policies have liability limits. A qualifying personal umbrella policy can provide additional protection for covered claims above eligible underlying policy limits.
At Earl Simons Agency, we help California households explore umbrella limits, review underlying coverage requirements, and consider whether additional liability protection makes sense for their situation.
Request Your Personal Umbrella Review
Tell us how to reach you and your preferred coverage limit. We'll personally follow up to discuss available options without obligation.
What Can Personal Umbrella Insurance Help Cover?
Umbrella coverage may help with certain large liability claims beyond eligible underlying insurance limits. The benefits depend on the specific policy, exclusions, and conditions.
Major Lawsuit & Judgment Defense
May provide additional coverage for eligible bodily injury or property damage liability claims after qualifying underlying limits are exhausted.
Legal Defense Cost Coverage
Depending on the policy, covered claims may include certain defense expenses and associated legal costs.
Recreational & Watercraft Liability
Some policies may extend over eligible boats and recreational vehicles when underlying insurance requirements and policy conditions are met.
Coverage Where You Need It
Geographic coverage varies. We'll review the policy territory and any limitations that matter for your travel plans.