The top-rated umbrella insurance agent in Manhattan Beach, California is Steve Saiz - State Farm Insurance Agent, rated 5.0 stars across 223 reviews. Other highly rated options include K J Arbues: Allstate Insurance, NEXO Insurance Services, Inc., AAA Manhattan Beach Insurance and Member Services. This directory lists 18 umbrella insurance agents serving Manhattan Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Steve Saiz - State Farm Insurance Agent | 1112 Ocean Dr STE 101 | (310) 421-2822 |
| 2 | K J Arbues: Allstate Insurance | 1021 N Sepulveda Blvd # O | (310) 796-7955 |
| 3 | NEXO Insurance Services, Inc. | 111 N Sepulveda Blvd #325 | (323) 486-9346 |
| 4 | AAA Manhattan Beach Insurance and Member Services | 700 S Aviation Blvd | (310) 376-0521 |
| 5 | Laura Maloney - State Farm Insurance Agent | 505 N Sepulveda Blvd Ste 10 | (310) 374-3202 |
| 6 | Cynthia Snyder - State Farm Insurance Agent | 1501 N Sepulveda Blvd # B | (310) 546-7803 |
| 7 | HIR Insurance Agency | 1219 N Morningside Dr | (323) 455-4961 |
| 8 | Farmers Insurance - Steve Almeida | 500 S Sepulveda Blvd Ste 209 | (310) 376-0271 |
| 9 | Symcap Insurance Agency | 1413 N Sepulveda Blvd | (424) 282-8008 |
| 10 | Carla Ramirez Insurance Agency | 920 Manhattan Beach Blvd #1 | (310) 545-1027 |
Steve Saiz - State Farm Insurance Agent provides umbrella insurance coverage in Manhattan Beach, California. The agency assists clients in securing personal liability protection that extends beyond standard home and auto policies. It offers service that explains policy details and helps adjust coverage limits as circumstances change. Annual policy reviews are available to address new assets or evolving risk factors. Typical services include coverage for single-family homes, apartments, retail businesses, and restaurants in the local area.
K J Arbues: Allstate Insurance serves homeowners, business owners, and property managers in Manhattan Beach seeking umbrella coverage to extend liability protection beyond standard policies. The agency helps clients secure an additional layer of security against major claims or lawsuits. Policies can cover personal and commercial risks alike, offering broader limits for those with significant assets. Serving Manhattan Beach residents, the agency also assists customers throughout neighboring Hermosa Beach and the broader South Bay metro area.
NEXO Insurance Services, Inc. serves clients in Manhattan Beach and the surrounding South Bay communities of Southern California. The firm specializes in providing umbrella insurance policies, which offer extended liability coverage beyond standard auto or homeowners plans. This type of coverage helps protect clients against major claims and lawsuits that could otherwise exceed their primary policy limits. For a typical job, the agent carefully reviews each client’s underlying policies to identify gaps and determine the appropriate level of additional liability protection.
AAA Manhattan Beach Insurance and Member Services serves clients throughout Los Angeles County and provides comprehensive umbrella insurance coverage from its location in Manhattan Beach, California. This type of policy extends liability protection beyond the limits of standard home and auto insurance, helping safeguard personal assets against major claims. The company also assists local residents with matching umbrella policies to existing homeowners and auto insurance plans for enhanced security.
Laura Maloney - State Farm Insurance Agent in Manhattan Beach, CA, offers umbrella insurance policies as a stand-alone service or as an add-on to existing coverage. This protection provides additional liability limits beyond standard home and auto policies, helping safeguard assets against major claims or lawsuits. Service operates on a one-time basis for policy issuance, with ongoing adjustments available as needs change.
Cynthia Snyder - State Farm Insurance Agent in Manhattan Beach, CA specializes in umbrella liability policies that extend coverage beyond standard home and auto limits. The agency serves local residents and businesses by assessing personal assets and recommending additional protection against large claims or lawsuits. Its general services include helping clients understand policy options and coordinating coverage across existing plans. As seasonal storms increase the risk of flooding or property damage, the agency assists policyholders in reviewing their liability exposure and ensuring sufficient protection.
As coastal fog and winter rains increase the risk of slip-and-fall claims in Manhattan Beach, HIR Insurance Agency helps local property owners secure umbrella liability coverage that extends protection beyond standard policy limits. This layer of insurance can shield home and auto assets from major lawsuits that might otherwise result in significant personal financial loss. The agency begins each new client relationship by conducting a thorough review of existing policies and property exposures, scheduling an on-site assessment to identify specific coverage gaps.
Farmers Insurance - Steve Almeida provides general insurance services in Manhattan Beach, CA. The agency specifically specializes in umbrella insurance agent work, offering additional liability coverage that extends beyond standard policy limits. This extra layer of protection helps clients safeguard assets and future income against major claims. The business serves a range of commercial sectors, including offices, warehouses, and food service operations, tailoring appropriate coverage solutions to meet the distinct risk profiles and operational needs of each sector.
Symcap Insurance Agency serves residential clients in Manhattan Beach, California, by providing umbrella insurance policies that extend liability protection beyond standard home and auto coverage. The agency also handles commercial umbrella coverage for local businesses, helping to guard against major claims and lawsuits. Service is available throughout the Manhattan Beach area and neighboring communities. After an initial policy is set, the agency offers follow-up support to adjust coverage as clients’ needs evolve, ensuring continued protection between regular policy reviews.
Carla Ramirez Insurance Agency in Manhattan Beach, California, is known for providing umbrella insurance coverage that extends liability protection beyond standard home and auto policies. The agency serves clients throughout the South Bay area, helping them safeguard their assets against major claims and lawsuits. Umbrella policies are designed to cover incidents where underlying insurance limits are exceeded. Working primarily with individuals and families, the agency also offers personal liability add-ons tailored to specific risks like those from recreational vehicles or watercraft ownership.
What Does an a Umbrella Insurance Agent in Manhattan Beach Cost?
Umbrella insurance in California generally costs 150 to 300 dollars annually for 1 million dollars in liability coverage. Each additional million may add 50 to 100 dollars per year. Your actual premium depends on factors such as your home value, number of vehicles, driving record, and the insurance company. This is general information and not insurance advice.
About umbrella insurance agents in Manhattan Beach
An umbrella insurance agent in Manhattan Beach helps you secure additional liability coverage beyond your standard home and auto policies. California law requires minimum liability limits for auto insurance, but an umbrella policy can provide extra protection for assets and future earnings. Local agents understand the higher property values and liability risks common in coastal communities like Manhattan Beach.
Frequently Asked Questions
What does an umbrella insurance agent in Manhattan Beach do?
An umbrella insurance agent helps you purchase a policy that provides extra liability coverage above your existing home and auto insurance limits. This agent evaluates your personal assets and risk exposure to recommend an appropriate coverage amount. In California, umbrella policies typically start at 1 million dollars in coverage.
Who needs umbrella insurance in Manhattan Beach?
Homeowners with significant equity, rental properties, or high net worth often need umbrella insurance. California law does not require umbrella insurance, but it is recommended for anyone with assets that could be targeted in a lawsuit. Residents of Manhattan Beach with pools, boats, or frequent guests may face higher liability risks.
How much does umbrella insurance cost in California?
Umbrella insurance in California typically costs between 150 and 300 dollars per year for 1 million dollars in coverage. Premiums increase for higher coverage limits or additional risk factors. Costs vary based on your insurance carrier, claims history, and the number of underlying policies.
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