The top-rated umbrella insurance agent in Costa Mesa, California is Acceptance Insurance, rated 5.0 stars across 664 reviews. Other highly rated options include AAA Costa Mesa Insurance and Member Services, Choice Plus Insurance Services, Chrysalis Insurance Agency. This directory lists 19 umbrella insurance agents serving Costa Mesa.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Acceptance Insurance | 3033 Bristol St Ste 121 | (714) 442-9504 |
| 2 | AAA Costa Mesa Insurance and Member Services | 3350 Harbor Blvd | (714) 427-5950 |
| 3 | Choice Plus Insurance Services | 1072 Bristol St # 205 | (714) 695-1127 |
| 4 | Chrysalis Insurance Agency | 3001 Red Hill Ave Suite 2-226 | (714) 464-8080 |
| 5 | Comparion Insurance Agency | 555 Anton Blvd Suite 326, 327, 328 | (949) 668-6502 |
| 6 | Michelle Yang at Comparion Insurance Agency | 555 Anton Blvd Suite 326, 327, 328 | (909) 476-6723 |
| 7 | Jimenez Family Insurance Agency | 1914 Meyer Pl # D | (949) 722-4022 |
| 8 | Goosehead Insurance - Ty Robertson | 555 Anton Blvd suit 150 | (714) 252-4558 |
| 9 | Samantha Kist at Comparion Insurance Agency | 555 Anton Blvd Suite 326, 327, 328 | (949) 382-3287 |
| 10 | EZ Insurance Services Inc | 2960 Harbor Blvd D | (800) 895-7033 |
Acceptance Insurance provides residential umbrella liability coverage for homeowners in the Costa Mesa, California area. They also offer commercial umbrella policies for local businesses, serving clients throughout the surrounding region. Their agents assist individuals in securing extended liability limits beyond standard policies, protecting assets from major claims. Customers who require policy adjustments or have questions about coverage limits are encouraged to maintain contact for timely support between regular visits.
AAA Costa Mesa Insurance and Member Services serves Orange County and the greater Costa Mesa area as an umbrella insurance agent. The agency provides liability coverage that extends beyond the limits of standard auto, home, and watercraft policies. Umbrella insurance protects policyholders against major claims and lawsuits by offering additional financial security for unforeseen events. The agency assists clients in evaluating their personal risk exposure and in selecting appropriate coverage levels to safeguard their assets. It specifically handles excess personal liability policies and claims protection for residents and businesses throughout the region.
Choice Plus Insurance Services in Costa Mesa, CA offers umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. Their service includes assessing clients' current exposures and tailoring supplemental protection for unforeseen claims or lawsuits. Maintenance plans involve regular policy reviews and adjustments to keep coverage aligned with changing assets. They assist in securing broader protection for single-family homes, apartments, retail establishments, and restaurants.
Chrysalis Insurance Agency serves homeowners, businesses, and property managers in Costa Mesa, California, who require additional liability protection beyond standard policy limits. Their umbrella insurance agents help clients secure extra coverage layers that activate after underlying auto, home, or commercial policies are exhausted. This specialized type of insurance is designed to protect assets and future earnings against major claims or lawsuits. The agency also extends its services to clients in nearby Newport Beach, ensuring that residents and businesses throughout the Orange County area have access to this crucial financial safeguard.
Comparion Insurance Agency in Costa Mesa, California, is known for providing personal umbrella insurance that extends liability coverage beyond standard auto and homeowners policies. Its service range includes assessing clients’ assets and risk exposure to determine appropriate policy limits for added financial protection. The agency works with individuals and families in the area seeking to guard against major claims or lawsuits. A specialty service Comparion can add on is excess liability coverage for rental properties or watercraft owned by the policyholder.
Michelle Yang at Comparion Insurance Agency serves clients throughout Costa Mesa and the surrounding Orange County communities, handling personal umbrella insurance policies. This type of coverage provides an extra layer of liability protection beyond standard auto and homeowners policies, safeguarding assets from major claims and lawsuits. The agency evaluates each client's current insurance limits and personal risk exposure to determine an appropriate level of additional coverage. To handle a typical job, it reviews the client's underlying policies and assets, then matches the umbrella limit to secure consistent protection across all personal lines.
Jimenez Family Insurance Agency, located in Costa Mesa, CA, offers both one-time and recurring service options for umbrella insurance, allowing clients to choose a single policy or ongoing coverage tailored to their evolving liability needs. This specialized insurance extends beyond standard auto and homeowners policies, providing additional protection against costly lawsuits and claims in the local area. The agency provides professional guidance to help residents of Costa Mesa secure appropriate liability limits. Service runs on an as-needed basis, ensuring clients can obtain support whenever their coverage requirements change.
Goosehead Insurance - Ty Robertson in Costa Mesa, California offers specialized umbrella insurance agent services that extend liability coverage beyond standard home and auto policies. The agency generally works with clients to fill gaps in existing insurance, ensuring substantial financial protection against unexpected claims or lawsuits. It helps individuals and families assess personal risk exposure to tailor appropriate coverage limits. As Southern California faces increased wildfire season risks, Goosehead Insurance - Ty Robertson assists local residents in securing umbrella policies that cover associated liabilities from property damage or evacuation-related incidents.
EZ Insurance Services Inc is a Costa Mesa insurance agency that arranges general liability protection for individuals and businesses. It specializes in securing umbrella policies that broaden coverage limits after underlying primary policies reach their cap. The agency assists clients with evaluating risks such as major personal injury claims or large property losses. It offers these layers of liability safeguards for offices, warehouses, and food service operations within the local commercial sector.
What Does an a Umbrella Insurance Agent in Costa Mesa 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. Premiums increase with higher coverage limits and additional risk factors such as owning a pool or having teenage drivers. Costs vary by insurer, your claims history, and the underlying policy limits. This is general information and not insurance advice.
About umbrella insurance agents in Costa Mesa
An umbrella insurance agent in Costa Mesa California helps you obtain personal liability coverage that extends beyond the limits of your home and auto policies. California law requires minimum liability limits on auto insurance, but a personal umbrella policy can provide an additional layer of protection against lawsuits and large claims. Local agents understand the specific risks in Orange County, such as high property values and frequent vehicle accidents.
Frequently Asked Questions
What does an umbrella insurance agent in Costa Mesa do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims exceeding your primary insurance limits. They assess your assets and risks to recommend appropriate coverage amounts. In California, umbrella policies typically require underlying auto and home insurance with specific minimum limits.
How much umbrella coverage do I need in Costa Mesa?
The amount of umbrella coverage you need depends on your total assets and potential liability exposure. Many agents recommend at least 1 million dollars in coverage for homeowners in coastal California. Higher net worth individuals may need 2 to 5 million dollars or more to fully protect their savings and property.
Are there California laws that affect umbrella insurance policies?
Yes, California Insurance Code Section 11580.1 requires auto insurers to offer uninsured motorist coverage, which can interact with umbrella policies. Also, California law allows umbrella policies to cover certain legal defense costs. An agent can explain how these laws apply to your specific situation.
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