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HomeUmbrella Insurance AgentsCalifornia › Lake Forest

Find Umbrella Insurance Agents Near You in Lake Forest, CA

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

The top-rated umbrella insurance agent in Lake Forest, California is Blackwell Insurance Agency, rated 5.0 stars across 647 reviews. Other highly rated options include Culver Insurance Services, Steven Wang - State Farm Insurance Agent, Sun Coast General Insurance. This directory lists 15 umbrella insurance agents serving Lake Forest.

Showing 15 umbrella insurance agents in Lake Forest, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Blackwell Insurance Agency23002 Lake Center Dr # 200(949) 421-0222
2Culver Insurance Services23681 Birtcher Dr(949) 461-0800
3Steven Wang - State Farm Insurance Agent20331 Lake Forest Dr c5(949) 770-8000
4Sun Coast General Insurance11 Orchard Rd STE 104(949) 768-1180
5Bradley Purcell - State Farm Insurance Agent20331 Lake Forest Dr c5(949) 203-3600
6California Southwestern Insurance Agency25 Orchard Rd Suite 100(949) 588-8844
7Reeves-Reeves and Associates Insurance Services23725 Birtcher Dr(949) 458-9999
8Aucoin Insurance and Financial Services21991 El Toro Rd Ste 4(949) 273-8047
9Farmers Insurance - Saeda Turk22481 El Toro Rd Ste C(949) 328-0288
10Help U Save Insurance23783 El Toro Rd(949) 432-6079
BI
23002 Lake Center Dr # 200
Blackwell Insurance Agency
Umbrella Insurance Agent · Lake Forest, CA

Blackwell Insurance Agency serves Lake Forest, California, and the surrounding Orange County area as a dedicated umbrella insurance agent. The company provides supplemental liability coverage that extends protection beyond the limits of standard homeowners, auto, and watercraft policies. This additional layer of insurance safeguards clients against costly lawsuits and major claims that could otherwise exhaust primary coverage. Policyholders benefit from broader protection for personal liability risks, including incidents like libel, slander, and property damage. Blackwell Insurance Agency handles policy reviews, risk assessments, and new umbrella coverage enrollments for local residents and families.

CI
23681 Birtcher Dr
Culver Insurance Services
Umbrella Insurance Agent · Lake Forest, CA

Culver Insurance Services provides a full range of umbrella insurance coverage for clients in Lake Forest and the surrounding Orange County area, offering policies that extend liability protection beyond standard home and auto limits. The agency works with clients to tailor coverage that addresses common personal and business risks, delivering ongoing policy reviews and support as needs change. It services single-family homes, apartments, retail spaces, and restaurants.

SW
20331 Lake Forest Dr c5
Steven Wang - State Farm Insurance Agent
Umbrella Insurance Agent · Lake Forest, CA

Steven Wang - State Farm Insurance Agent serves Lake Forest and surrounding areas in Orange County, offering umbrella insurance policies to local residents. This type of coverage provides extra liability protection beyond standard homeowners or auto policies, helping safeguard assets from major claims. The company works with clients to assess personal risk exposure and secure appropriate supplemental limits. It handles umbrella insurance, focusing on transactions that require policy integration with existing lines such as auto and home coverage.

SC
11 Orchard Rd STE 104
Sun Coast General Insurance
Umbrella Insurance Agent · Lake Forest, CA

Based in Lake Forest, Sun Coast General Insurance serves homeowners, businesses, and property managers seeking added liability protection. As an umbrella insurance agent, the firm focuses on securing additional coverage layers that activate when standard policy limits are exhausted. Acting solely as an agent, the company works to match clients with customized umbrella policies suited to their specific risk profiles. It also extends its representation and client services to the neighboring suburban communities of Mission Viejo and Irvine within the Orange County area.

BP
20331 Lake Forest Dr c5
Bradley Purcell - State Farm Insurance Agent
Umbrella Insurance Agent · Lake Forest, CA

Bradley Purcell - State Farm Insurance Agent offers umbrella insurance services to Lake Forest, California, and the surrounding Orange County communities. This agency handles personal liability coverage that extends beyond standard home or auto policy limits in case of a major claim or lawsuit. An agent evaluates each client’s specific asset exposure and risk profile to determine appropriate coverage levels. The typical approach begins with a comprehensive review of existing policies, followed by a tailored recommendation that fills potential gaps while keeping long-term financial protection in mind.

CS
25 Orchard Rd Suite 100
California Southwestern Insurance Agency
Umbrella Insurance Agent · Lake Forest, CA

California Southwestern Insurance Agency, based in Lake Forest, CA, offers both one-time umbrella policies for immediate, temporary liability needs and recurring annual coverage for ongoing, comprehensive protection. These policies provide an extra layer of liability defense beyond standard home and auto insurance limits, safeguarding assets against major claims. Serving homeowners and vehicle owners in the area, the agency operates on an as-needed basis for customized consultations and policy adjustments, with service available upon client request for new or modified coverage.

RR
23725 Birtcher Dr
Reeves-Reeves and Associates Insurance Services
Umbrella Insurance Agent · Lake Forest, CA

As the rainy season approaches in Lake Forest, unexpected storm damage can lead to liability claims that exceed standard policy limits. Reeves-Reeves and Associates Insurance Services helps local property owners bridge this gap by specializing in umbrella insurance agent work tailored to the area’s unique risk environment. Their process examines current auto, home, and watercraft policies to identify exposure. A comprehensive personal risk assessment completes the initial consultation, paving the way for a coverage evaluation.

AI
21991 El Toro Rd Ste 4
Aucoin Insurance and Financial Services
Umbrella Insurance Agent · Lake Forest, CA

Aucoin Insurance and Financial Services provides general liability coverage for clients in Lake Forest and the surrounding area. The agency also specializes in umbrella insurance policies that add an extra layer of protection beyond standard commercial or personal limits. These excess liability policies help cover significant claims that could otherwise put assets at risk. The firm serves a variety of commercial sectors, including offices, warehouses, and food service operations.

FI
22481 El Toro Rd Ste C
Farmers Insurance - Saeda Turk
Umbrella Insurance Agent · Lake Forest, CA

Farmers Insurance - Saeda Turk in Lake Forest, CA, offers umbrella insurance to extend liability coverage beyond standard auto and homeowners policies. The agency also handles personal and commercial insurance needs for local residents and businesses. Its umbrella policies protect assets by covering legal costs and claims that exceed primary policy limits. During the holiday season or after major storms, the agency helps clients reassess their liability coverage to account for increased risks from gatherings, property damage, or rental vehicle usage.

HU
23783 El Toro Rd
Help U Save Insurance
Umbrella Insurance Agent · Lake Forest, CA

Help U Save Insurance provides umbrella coverage to increase liability protection beyond standard policies. It works with clients to assess their specific risks and secure appropriate additional layers of coverage. Service includes ongoing policy reviews to ensure limits remain adequate as assets or circumstances change. The company serves Lake Forest, California, and the surrounding area, assisting owners of single-family homes, apartments, retail spaces, and restaurants.

SI
23832 Rockfield Blvd #175
Sabeti Insurance & Investment Services
Umbrella Insurance Agent · Lake Forest, CA
(949) 679-3500
sabetiinsurance.com
HI
24602 Raymond Way #205
HOMELAND INSURANCE SERVICES
Umbrella Insurance Agent · Lake Forest, CA
(714) 350-7835
ML
23532 El Toro Rd #7
My L&J Insurance Services Inc.
Umbrella Insurance Agent · Lake Forest, CA
(949) 707-1172
dmv.ca.gov/portal/business-partner/my-l-j-insurance-service
MI
24352 Muirlands Blvd #3679
Malgar Insurance
Umbrella Insurance Agent · Lake Forest, CA
(949) 586-2274
FI
23101 Lake Center Dr #330
Farmers Insurance - Bradley Hume
Umbrella Insurance Agent · Lake Forest, CA
(949) 830-7970
agents.farmers.com/ca/lake-forest/bradley-hume

What Does an a Umbrella Insurance Agent in Lake Forest Cost?

The cost of an umbrella insurance policy in California typically ranges from 150 to 300 dollars per year for one million dollars of coverage. Higher limits, such as two million or five million dollars, will cost more, often 200 to 500 dollars annually. Factors like your driving record, number of properties, and personal risk profile affect the premium. This is general information and not insurance advice.

About umbrella insurance agents in Lake Forest

An umbrella insurance agent in Lake Forest, California can help you secure additional liability coverage that goes beyond your auto or homeowners policy limits. California law requires minimum auto liability coverage, but umbrella policies provide an extra layer of protection for major claims or lawsuits. This is especially valuable in a community like Lake Forest, where property values and potential liability risks can be significant.

Frequently Asked Questions

What does an umbrella insurance agent in Lake Forest do?

An umbrella insurance agent helps you purchase a personal umbrella policy that provides extra liability coverage. This policy kicks in after your underlying auto or home insurance limits are exhausted. The agent can assess your assets and risk level to recommend an appropriate coverage amount.

How much umbrella coverage should I get in Lake Forest?

Common umbrella policy limits range from one million to five million dollars. The right amount depends on your net worth, income, and potential liability risks. An agent can help you evaluate your assets and determine a suitable limit.

Do I need umbrella insurance if I have homeowners and auto insurance in California?

Yes, because standard policies have liability limits that may not cover a large claim or lawsuit. California has a high cost of living and litigation, so umbrella insurance provides crucial extra protection. It also covers certain claims not included in standard policies, such as libel or slander.

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.