ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Umbrella Insurance Agents Near You in Cupertino, CA

Browse umbrella insurance agents serving Cupertino, California. Updated 2026-07-14.

The top-rated umbrella insurance agent in Cupertino, California is Jason Stefely - State Farm Insurance Agent, rated 4.9 stars across 432 reviews. Other highly rated options include Gurbinder Mavi - State Farm Insurance Agent, David Gragnola: Allstate Insurance, Catherine Chen - State Farm Insurance Agent. This directory lists 13 umbrella insurance agents serving Cupertino.

Showing 13 umbrella insurance agents in Cupertino, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Jason Stefely - State Farm Insurance Agent20395 Pacifica Dr STE 108(408) 255-3212
2Gurbinder Mavi - State Farm Insurance Agent20395 Pacifica Dr STE 108(650) 237-0400
3David Gragnola: Allstate Insurance10520 S De Anza Blvd Ste B(408) 252-3830
4Catherine Chen - State Farm Insurance Agent20132 Stevens Creek Blvd(408) 863-0000
5Cheryl Ching - State Farm Insurance Agent10025 S Tantau Ave(408) 777-9777
6Farmers Insurance - Ray Cheng20370 Town Center Ln Ste 105(408) 863-0180
7Farmers Insurance - Lily Zhao20432 Silverado Ave UNIT 211(408) 398-4616
8Farmers Insurance - Stacy Lane20410 Town Center Ln # 101(408) 715-3535
9Somerset Insurance Solutions Inc.10080 N. Wolfe Rd, 200 Suite SW3(408) 359-5758
10Health Wealth Management & Insurance Agency10455 Torre Ave(408) 859-9896
JS
20395 Pacifica Dr STE 108
Jason Stefely - State Farm Insurance Agent
Umbrella Insurance Agent · Cupertino, CA

Jason Stefely - State Farm Insurance Agent serves Cupertino, California and the surrounding Santa Clara County area with comprehensive umbrella insurance coverage. The agency helps local homeowners and drivers obtain extra liability protection beyond standard auto and home policies. Umbrella insurance in this region is important for safeguarding assets against major claims or lawsuits. The agent assists clients in understanding policy limits and selecting appropriate coverage amounts. Services include personal umbrella policies and excess liability protection tailored for individuals residing in the Cupertino area.

GM
20395 Pacifica Dr STE 108
Gurbinder Mavi - State Farm Insurance Agent
Umbrella Insurance Agent · Cupertino, CA

Gurbinder Mavi - State Farm Insurance Agent in Cupertino, CA, provides umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Its service plans include personalized policy reviews to assess coverage gaps and ensure adequate protection against major claims or lawsuits. The agency also assists clients in adjusting deductibles and coordinating umbrella policies with existing insurance lines. It services a variety of properties, including single-family homes, apartments, retail establishments, and restaurants.

DG
10520 S De Anza Blvd Ste B
David Gragnola: Allstate Insurance
Umbrella Insurance Agent · Cupertino, CA

David Gragnola: Allstate Insurance provides umbrella insurance coverage for homeowners, businesses, and property managers in Cupertino, California. This extra liability protection applies above existing auto, home, or renters policies, helping to safeguard personal assets against major lawsuits or claims. The agent works closely with clients to assess their individual risk levels and secure appropriate broader coverage limits for added security. Service extends to policyholders throughout the greater San Jose metropolitan area and the neighboring communities of Santa Clara.

CC
20132 Stevens Creek Blvd
Catherine Chen - State Farm Insurance Agent
Umbrella Insurance Agent · Cupertino, CA

Serving Cupertino and the surrounding communities of Silicon Valley, Catherine Chen - State Farm Insurance Agent handles umbrella insurance policies for local residents and businesses. This coverage provides additional liability protection beyond standard auto and home insurance limits, helping to safeguard assets against major claims or lawsuits. The agent works with clients to assess their personal exposure and select appropriate policy limits. Each job typically begins with a review of existing coverage, followed by a recommendation tailored to the individual's financial situation and risk profile.

CC
10025 S Tantau Ave
Cheryl Ching - State Farm Insurance Agent
Umbrella Insurance Agent · Cupertino, CA

Cheryl Ching - State Farm Insurance Agent in Cupertino, CA, offers umbrella coverage in two ways. Clients may select a one-time policy for a single policy year or a recurring plan with automatic renewal. This liability insurance supplements existing auto and homeowners policies, providing additional protection beyond standard limits. It covers major claims and lawsuit expenses, safeguarding assets like savings and property. Both service options include a review of underlying coverage to ensure adequate limits. Service runs on a scheduled basis with annual policy renewal and available as-needed adjustments for life changes.

FI
20370 Town Center Ln Ste 105
Farmers Insurance - Ray Cheng
Umbrella Insurance Agent · Cupertino, CA

Farmers Insurance - Ray Cheng specializes in umbrella insurance, extending liability coverage beyond standard policies to protect assets. It also offers personal and commercial insurance services for clients in Cupertino, California. These policies provide an additional layer of financial security against major claims or lawsuits. The agency assists residents in assessing their risk exposure and adjusting coverage limits accordingly. It helps homeowners and drivers prepare for significant liability events during the rainy season when accident rates and property damage claims tend to increase.

FI
20432 Silverado Ave UNIT 211
Farmers Insurance - Lily Zhao
Umbrella Insurance Agent · Cupertino, CA

As the rainy season approaches in Cupertino, concerns about liability from slip-and-fall incidents on wet surfaces or unexpected accidents increase for homeowners and landlords. Farmers Insurance with Lily Zhao provides umbrella insurance in this area, offering policyholders an extra layer of financial protection beyond standard home and auto coverage. This type of insurance helps cover legal costs and damages that exceed primary policy limits, particularly important in a litigious environment. A thorough initial assessment of existing policies and asset exposure is conducted to determine appropriate coverage limits for each client.

FI
20410 Town Center Ln # 101
Farmers Insurance - Stacy Lane
Umbrella Insurance Agent · Cupertino, CA

Farmers Insurance - Stacy Lane in Cupertino, CA offers general insurance solutions with a focused specialty in umbrella insurance policies that provide extended liability coverage beyond standard plans. Their service assists clients in bridging gaps in personal and commercial protection. For local businesses, the agency can tailor coverage for various commercial sectors such as offices, warehouses, and food service operations that require enhanced risk management against substantial claims.

SI
10080 N. Wolfe Rd, 200 Suite SW3
Somerset Insurance Solutions Inc.
Umbrella Insurance Agent · Cupertino, CA
HW
10455 Torre Ave
Health Wealth Management & Insurance Agency
Umbrella Insurance Agent · Cupertino, CA

As winter weather increases the risk of property damage in Cupertino and the surrounding Santa Clara Valley, homeowners often seek extra liability protection beyond their standard policies. Health Wealth Management & Insurance Agency specializes in such Umbrella Insurance, offering supplementary coverage that extends limits for accidents or claims on one's premises. The agency assesses each client's existing coverage to determine appropriate additional protection. This process begins with an individual review of personal assets and liability exposure during a straightforward initial-assessment meeting.

FI
19925 Stevens Creek Blvd #100
Farmers Insurance - Wenwei Wu
Umbrella Insurance Agent · Cupertino, CA
(408) 245-9818
wenweiwu.com
FI
10055 N Portal Ave #120
Farmers Insurance - Jacqueline Liwag
Umbrella Insurance Agent · Cupertino, CA
(408) 906-8676
agents.farmers.com/ca/cupertino/jacqueline-liwag
FI
20111 Stevens Creek Blvd
Farmers Insurance Group
Umbrella Insurance Agent · Cupertino, CA
(408) 840-3542
farmers.com

What Does an a Umbrella Insurance Agent in Cupertino Cost?

Umbrella insurance in California typically costs between 150 and 300 dollars per year for 1 million dollars in coverage, with each additional million costing roughly 50 to 100 dollars annually. Premiums vary based on your risk profile, number of vehicles, and property value. This is general information, not insurance advice.

About umbrella insurance agents in Cupertino

Umbrella insurance agents in Cupertino help residents secure additional liability coverage that goes beyond the limits of auto, home, or renters insurance. In California, where property values and lawsuit awards can be high, an umbrella policy provides a crucial extra layer of protection. Agents in Cupertino can tailor coverage to match local risks and your personal assets.

Frequently Asked Questions

What does an umbrella insurance agent in Cupertino do?

An umbrella insurance agent helps you assess your liability risks and purchase a policy that covers claims exceeding your primary insurance limits. In California, this is especially important due to the states high cost of living and potential for large legal judgments. The agent will review your assets and recommend appropriate coverage amounts.

How much umbrella insurance do I need in California?

Most experts suggest carrying at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth, income, and lifestyle. California law does not mandate umbrella insurance, but it is a common safeguard for homeowners, business owners, and those with significant assets. An agent can help calculate a suitable limit for your situation.

Can umbrella insurance cover lawsuits in California?

Yes, umbrella insurance can cover legal defense costs and settlements for covered claims such as bodily injury, property damage, and personal injury like libel or slander. California courts often award substantial damages, making umbrella coverage a valuable tool. The policy kicks in after your underlying insurance limits are exhausted.

Umbrella Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.