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Personal Umbrella Insurance in Cerritos, CA

Personal umbrella insurance, or personal excess liability insurance, is additional liability coverage that goes beyond the limits of your homeowners, auto or watercraft insurance.

If your standard policy’s liability limits are exhausted, your personal umbrella policy can help provide additional coverage. This type of insurance may help cover larger claims as well as claims that the primary policies, such as false arrest, libel, slander and invasion of privacy, may exclude.person holding umbrella while raining

Contact Mikel's Insurance Services in Cerritos, CA, to learn how umbrella insurance can help provide crucial financial protection.

What Does an Umbrella Insurance Policy Cover?

Umbrella insurance may help protect against significant and potentially devastating liability claims or judgments. This includes major accidents where you are responsible for injuries or property damage.

It may also help cover legal defense fees, which can quickly add up even if you are not found liable. Beyond your standard liability policy, it can also help protect certain slander and libel claims.

Is Personal Umbrella Insurance Necessary?

Personal umbrella coverage can be essential for individuals with a higher risk of being sued—homeowners, landlords and car owners—or those with significant assets to protect.

While it’s not a legal requirement, it’s worth considering if your assets or lifestyle put you at greater risk of a lawsuit that could exceed your current insurance policy limits.

How to Get Personal Umbrella Insurance

Contact Mikel's Insurance Services today for a personal umbrella insurance quote.