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Find Umbrella Insurance Agents Near You in El Centro, CA

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

The top-rated umbrella insurance agent in El Centro, California is Sierra Jaime - State Farm Insurance Agent, rated 4.9 stars across 430 reviews. Other highly rated options include Freeway Insurance, American Income Life - Cindy Furer, Farmers Insurance - James Gonzalez. This directory lists 20 umbrella insurance agents serving El Centro.

Showing 20 umbrella insurance agents in El Centro, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Sierra Jaime - State Farm Insurance Agent775 E Danenberg Dr #102(760) 312-9517
2Freeway Insurance422 N Imperial Ave(760) 706-6054
3American Income Life - Cindy Furer395 Broadway #10(858) 450-9919
4Farmers Insurance - James Gonzalez430 N Imperial Ave(760) 352-0371
5Best Formula Insurance Services808 N Imperial Ave(888) 242-9922
6Kahlo Insurance Services300 S Imperial Ave Suite 15(760) 539-1254
7Terrazas Insurance300 S Imperial Ave #3(760) 592-4315
8Del Valle Insurance Solutions1265 W State St(760) 592-4107
9Belellano Insurance Services610 S 8th St(760) 370-3090
10Martinez Insurance Services292 S Imperial Ave(760) 336-0808
SJ
775 E Danenberg Dr #102
Sierra Jaime - State Farm Insurance Agent
Umbrella Insurance Agent · El Centro, CA

Sierra Jaime - State Farm Insurance Agent serves El Centro and the surrounding Imperial County area. As an umbrella insurance agent, the company helps local clients protect their assets with additional liability coverage beyond standard policies. This extra layer of insurance safeguards savings and future earnings when a serious accident or lawsuit exceeds primary policy limits. Sierra Jaime - State Farm Insurance Agent also handles bundling options with other policies like auto or homeowners insurance, tailoring to individual coverage needs.

FI
422 N Imperial Ave
Freeway Insurance
Umbrella Insurance Agent · El Centro, CA

Freeway Insurance provides residential umbrella coverage to property owners in El Centro, offering a layer of liability protection beyond standard homeowners’ policies. For local businesses, the agency also structures commercial umbrella policies to handle larger claims or lawsuits that might exceed primary coverage limits. Service extends throughout the broader Imperial Valley market, where added protection is often necessary in this region. Clients who establish policies frequently return for annual liability assessments or to adjust coverage between regular auto and home insurance renewal visits.

AI
395 Broadway #10
American Income Life - Cindy Furer
Umbrella Insurance Agent · El Centro, CA

American Income Life - Cindy Furer in El Centro, CA, provides umbrella insurance to local residents and businesses, offering coverage that extends beyond standard liability limits to protect against catastrophic claims. The agency assists clients in selecting appropriate policy levels and reviews existing policies to identify necessary coverage adjustments. Its maintenance plans include annual risk assessments and coverage updates to account for life changes. The company services single-family homes, apartments, retail establishments, and restaurants throughout the area.

FI
430 N Imperial Ave
Farmers Insurance - James Gonzalez
Umbrella Insurance Agent · El Centro, CA

Farmers Insurance - James Gonzalez serves homeowners, businesses, and property managers in El Centro, California, who need additional liability coverage beyond standard policies. As an umbrella insurance agent, this company helps clients protect assets against major claims and lawsuits by extending liability limits. The agency provides personalized guidance to match coverage with the specific risks faced by local families and commercial operations. It also covers neighboring communities within Imperial County, such as Calexico, to give residents broader access to supplemental liability protection.

BF
808 N Imperial Ave
Best Formula Insurance Services
Umbrella Insurance Agent · El Centro, CA

Serving El Centro and the surrounding Imperial Valley communities, Best Formula Insurance Services handles excess liability coverage known as umbrella insurance. It provides an extra layer of protection above the limits of standard auto, homeowners, or watercraft policies. By addressing gaps left by primary insurance, the agency helps shield personal assets from major claims or lawsuits. For a typical client, it begins with a thorough review of existing policy limits and personal risk exposure, then secures an umbrella policy that matches the individual’s specific liability needs.

KI
300 S Imperial Ave Suite 15
Kahlo Insurance Services
Umbrella Insurance Agent · El Centro, CA

Kahlo Insurance Services in El Centro, California, works with clients to determine whether a one-time policy or an ongoing renewable plan better suits their needs for supplemental liability protection. Umbrella coverage from a local agent provides an additional layer beyond standard home and auto policies, helping to shield personal assets from major claims or lawsuits. Service arrangements are typically handled on a scheduled renewal cycle, although adjustments can be made on an as-needed basis.

TI
300 S Imperial Ave #3
Terrazas Insurance
Umbrella Insurance Agent · El Centro, CA

As an umbrella insurance agent, Terrazas Insurance in El Centro, California, specializes in offering additional liability coverage that extends beyond the limits of standard auto or homeowners policies. Beyond this specialty, it generally helps local residents assess their personal risk exposure and secure broader financial protection against large claims or lawsuits. This service becomes particularly valuable during the winter months in the Imperial Valley, when increased rain can heighten the risk of car accidents or flood-related property damage.

DV
1265 W State St
Del Valle Insurance Solutions
Umbrella Insurance Agent · El Centro, CA

In the dry heat of an El Centro summer, or after an unexpected winter storm rolling through the Imperial Valley, property risks can increase dramatically. Del Valle Insurance Solutions helps local homeowners and business operators secure umbrella liability coverage to protect against major claims that exceed standard policy limits. This additional layer of insurance is a practical safeguard for those with assets to shield from lawsuits. The process here begins with a thorough review of your current policies and a walk-through of your property to assess exposure points.

BI
610 S 8th St
Belellano Insurance Services
Umbrella Insurance Agent · El Centro, CA
MI
292 S Imperial Ave
Martinez Insurance Services
Umbrella Insurance Agent · El Centro, CA

Based in El Centro, Martinez Insurance Services assists clients in managing personal liability risks through general insurance work. The agency specializes in providing umbrella coverage, which offers extra liability protection above standard policy limits. This service is designed to protect assets against large claims or lawsuits, operating alongside primary home and auto policies. Martinez Insurance Services serves a range of commercial sectors, including local offices, warehouses, and food service establishments, helping ensure they have adequate liability layers in place.

HM
238 S 8th St
Horace Mann Maeda Insurance Services, LLC.
Umbrella Insurance Agent · El Centro, CA
(760) 336-2601
agents.horacemann.com/alexmaeda
FI
1028 Adams Ave Spc A
Farmers Insurance - Rolando Romo
Umbrella Insurance Agent · El Centro, CA
(760) 353-5353
agents.farmers.com/ca/el-centro/rolando-romo
GI
458 N Imperial Ave
Gunther Insurance Agency
Umbrella Insurance Agent · El Centro, CA
(760) 352-4900
700medicare.net
EB
780 W Olive Ave Suite C
Esmeralda Burch Insurance Services
Umbrella Insurance Agent · El Centro, CA
(760) 960-2769
esmeraldaburchinsuranceservices.com
DH
302 N 8th St
David H. West Insurance Services
Umbrella Insurance Agent · El Centro, CA
(760) 352-3411
davidhwest.com
RR
1413 Main St
Real & Reliable Insurance Services
Umbrella Insurance Agent · El Centro, CA
(760) 352-7565
AI
1122 W State St ste a
Armorcrest Insurance Services LLC.
Umbrella Insurance Agent · El Centro, CA
(760) 693-5203
armorinsgrp.com
TI
1000 Broadway
Thomas Insurance Agency
Umbrella Insurance Agent · El Centro, CA
(760) 353-7460
HI
1503 N Imperial Ave #102
Hart Insurance Center
Umbrella Insurance Agent · El Centro, CA
(760) 352-0422
insurehart.com
GI
781 Broadway
Gaytan Insurance Agency
Umbrella Insurance Agent · El Centro, CA
(760) 592-4092
gaytaninsuranceagency.com

What Does an a Umbrella Insurance Agent in El Centro Cost?

In California, the annual premium for a 1 million dollar umbrella insurance policy generally ranges from 150 to 300 dollars. For 2 million dollars in coverage, costs may range from 250 to 500 dollars per year. Factors such as your driving record, property value, and number of rental units can affect the price. This is general information and not insurance advice. Always consult a licensed agent for a quote tailored to your needs.

About umbrella insurance agents in El Centro

An umbrella insurance agent in El Centro can help you secure additional personal liability coverage beyond what your auto or homeowners policy provides. In California, umbrella policies typically require you to carry minimum underlying limits such as 250,000 for auto liability and 300,000 for homeowners. This extra layer of protection can be vital for Imperial County residents who own property or face higher liability risks.

Frequently Asked Questions

What does an umbrella insurance agent in El Centro do?

An umbrella insurance agent helps you purchase a personal umbrella policy that provides extra liability coverage above your existing insurance. In California, these policies often start at 1 million dollars in coverage and can protect your savings and future earnings from large lawsuits.

Do I need umbrella insurance in California?

You may need umbrella insurance if you have significant assets, a swimming pool, or a dog that could cause injury. California law does not require umbrella insurance, but it is recommended for anyone with a net worth above the limits of their standard policies.

How much does an umbrella policy cost in El Centro?

In California, a 1 million dollar personal umbrella policy typically costs between 150 and 300 dollars per year. Costs vary based on your risk factors, the number of vehicles, and your claims history. An agent in El Centro can provide a specific quote for your situation.

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.