Umbrella Insurance in California
Add an extra layer of liability protection beyond your home and auto insurance.
At General Insurance in San Clemente, we help individuals and families across California
strengthen their financial protection with umbrella insurance coverage designed to safeguard assets and future income.
Extra Protection When You Need It Most
Serious accidents and lawsuits can result in financial claims that exceed the limits of standard insurance policies. Umbrella insurance helps provide an additional safety net by extending liability coverage beyond your home and auto insurance.
Additional Liability Protection
Asset Protection
Legal Defense Coverage
Affordable Added Security
What Is Umbrella Insurance?
Umbrella insurance is a supplemental liability policy that provides protection above the limits of your existing insurance policies such as homeowners and auto insurance. If a major claim exceeds those limits, umbrella insurance may help cover the remaining costs.
Bodily Injury Liability
Helps cover expenses if someone is injured and you are found legally responsible.
Property Damage Liability
Helps pay for damages to another person’s property.
Legal Defense Costs
May help cover attorney fees and court expenses associated with certain lawsuits.
Personal Liability Claims
May provide protection for claims involving situations such as libel or slander.
Why Additional Liability Protection Matters
Unexpected incidents can lead to expensive legal claims. Umbrella insurance helps ensure a
single event doesn’t put your financial future at risk.
- Your home
- Savings and investments
- Future income
- Personal assets
Umbrella insurance provides peace of mind by helping protect the financial foundation you’ve worked hard to build.
How Umbrella Insurance Works
Umbrella coverage sits on top of your existing liability policies. If a claim exceeds the limits of your underlying policy, your umbrella policy may help cover the remaining costs.
- Auto policy liability limit: $300,000
- Total accident claim: $1,000,000
- Your umbrella policy may cover the remaining $700,000 after your primary policy limits are reached.
- Most umbrella policies start with $1 million in coverage, with higher limits available.
Serving San Clemente and All of California
Based in San Clemente, CA, General Insurance proudly helps individuals and families throughout California find umbrella insurance coverage that fits their needs.
Whether you live in Southern California, Central California, or Northern California, our team can help you review your current policies and determine if umbrella insurance is right for you.
Why Choose General Insurance
Local Expertise
Based in San Clemente, we understand the insurance needs of California residents.
Personalized Service
We help you compare coverage options and choose protection that fits your situation.
Trusted Insurance Carriers
We work with reputable insurance providers to help secure reliable coverage.
Strengthen Your Liability Protection Today
Umbrella insurance is one of the most affordable ways to increase your overall protection. Let General Insurance help you explore coverage options that protect what matters most.