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Find Umbrella Insurance Agents Near You in Lathrop, CA
Browse umbrella insurance agents serving Lathrop, California. Contact information and addresses listed below.
5 agents listed
Updated May 2026
Lathrop, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 5 umbrella insurance agents in Lathrop, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Jenifer Smith - State Farm Insurance Agent
15370 S Harlan Rd, Lathrop, CA 95330
(209) 435-3700
jsmithsf.com
JSSR Insurance Agency
16201 S Harlan Rd, Lathrop, CA 95330
(209) 701-6900
jssrinsuranceagency.com
Farmers Insurance - Navneet Kaur
17416 Murphy Pkwy suite 105, Lathrop, CA 95330
(209) 672-4539
agents.farmers.com
Gurbinder Mangat - Steele Insurance
17900 Murphy Pkwy, Lathrop, CA 95330
(209) 956-1000
Farmers Insurance - Remedios Corpuz
16952 S Harlan Rd, Lathrop, CA 95330
(209) 323-5455
agents.farmers.com
An umbrella insurance agent in Lathrop, California can help you secure additional liability coverage beyond your standard auto or homeowners policy. California law requires minimum auto liability limits, but an umbrella policy provides extra protection for assets and future earnings. Local agents understand the specific risks for San Joaquin County residents, including flood and earthquake exposures.
What Does a Umbrella Insurance Agent in Lathrop Cost?
In California, a 1 million dollar personal umbrella policy typically costs between 150 and 300 dollars per year. Costs can be higher for policies with 2 million or 5 million in coverage, or if you have multiple properties or high-risk exposures. Premiums vary by insurer, location, and your claims history. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Lathrop do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims above your underlying insurance limits. The agent reviews your current auto and home policies to recommend appropriate coverage levels. They also explain how California liability laws affect your risk exposure.
How much umbrella coverage do I need in California?
Most agents recommend at least 1 million dollars in umbrella coverage, but your needs depend on your assets and income. California courts can award large judgments in personal injury cases, so higher limits may be wise for homeowners or business owners. An agent can help calculate the right amount for your situation.
Is umbrella insurance required by law in California?
No, umbrella insurance is not required by California law. However, it is strongly recommended if you have significant assets or face higher liability risks. California minimum auto liability limits are only 15,000 dollars per person and 30,000 dollars per accident, which may not cover a serious claim.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.