In today's litigious world, a single high-judgment lawsuit can easily exceed the liability limits of your standard auto or home insurance policies. Personal Umbrella Insurance provides a critical extra layer of protection when you need it most.
At Advanced Brokers, we specialize in helping high-net-worth individuals and growing families in North County San Diego secure their financial futures. An umbrella policy is one of the most cost-effective ways to protect everything you've worked so hard for.
Why You Need Umbrella Insurance
Extended Liability
Provides $1 million to $5 million (or more) in additional liability coverage above your primary home and auto limits.
Legal Defense
Covers the high cost of legal fees and court costs, which settle outside of your total policy limits in many cases.
Broader Coverage
Protects against claims that may not be covered by other policies, such as libel, slander, or false arrest.
Worldwide Protection
Your umbrella protection follows you anywhere in the world, covering incidents that happen while you're traveling.
Umbrella Insurance FAQ
Do I need to be "rich" to have an umbrella policy? ▼
No. If you have assets like a home, savings, or future earning potential, you are a target for a lawsuit. Umbrella insurance is surprisingly affordable for almost any family.
What "underlying limits" do I need? ▼
Most umbrella carriers require you to have at least $250k/$500k in auto liability and $300k in personal liability on your home policy before they will issue an umbrella.
Trusted Carrier Partners
Protect Your Hard-Earned Assets
Add a $1M+ safety net to your family's protection plan for pennies a day.
Get an Umbrella Quote