The top-rated umbrella insurance agent in Paso Robles, California is Ted Hamm Insurance Agency, rated 5.0 stars across 376 reviews. Other highly rated options include Steve Weber - State Farm Insurance Agent, Farmers Insurance - Gregory Byrne, Chely Insurance Services. This directory lists 18 umbrella insurance agents serving Paso Robles.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ted Hamm Insurance Agency | 1503 Park St Suite #102 | (805) 238-1818 |
| 2 | Steve Weber - State Farm Insurance Agent | 526 Spring St | (805) 238-6200 |
| 3 | Farmers Insurance - Gregory Byrne | 843 7th St Ste D | (805) 238-4577 |
| 4 | Chely Insurance Services | 731 21st St D | (805) 237-0077 |
| 5 | Bryan Butler: Allstate Insurance | 705 Golden Hill Rd Ste 103 | (805) 237-2333 |
| 6 | KNOCKOUT INSURANCE SERVICES ,LLC | 611 12th St | (805) 286-4571 |
| 7 | Del Paso Insurance Services | 741 21st St #101 | (805) 239-0600 |
| 8 | Kenton Insurance | 2050 Spring St Suite C | (805) 227-0954 |
| 9 | Maria Elena's Insurance Agency | 558 Spring St | (805) 237-0934 |
| 10 | Coastal States Insurance | 513 13th St | (805) 835-4236 |
Ted Hamm Insurance Agency serves the Paso Robles, California area as an umbrella insurance agent. This type of policy provides additional liability coverage beyond standard auto and homeowners limits. It helps protect personal assets against major claims or lawsuits. The agency structures riders to cover gaps in underlying policies. Clients often need umbrella insurance for rental properties or recreational vehicles. Ted Hamm Insurance Agency handles personalized client consultations to evaluate total risk exposure and advises on sufficient coverage levels for high-asset portfolios.
Steve Weber - State Farm Insurance Agent in Paso Robles, CA provides umbrella insurance coverage that extends liability protection beyond standard policy limits. Service includes reviewing existing personal and commercial policies to identify gaps in coverage, then tailoring an umbrella policy to address those risks. Ongoing support is available to adjust coverage limits as assets or exposures change. The agency services single-family homes, apartments, retail businesses, and restaurants needing broader liability safeguards against major claims or lawsuits.
For customers in Paso Robles, Gregory Byrne offers umbrella insurance on a one-time policy setup or an ongoing coverage management basis. This liability protection extends beyond standard auto and homeowners limits, providing additional financial safeguards against major claims or lawsuits in the area. Policies are customized annually to match changing personal assets and risk exposures. A new policy quote can be requested at any time, while active coverage is routinely updated through scheduled policy reviews or as needed immediately following a significant life event or asset change.
Chely Insurance Services specializes in securing umbrella insurance policies that extend liability coverage beyond standard home and auto limits. In Paso Robles, California, the agency works closely with residents seeking additional protection against major claims or lawsuits. It advises clients on how excess liability coverage safeguards personal assets from unforeseen events. During the fall and winter months, the agency helps homeowners address increased risks from holiday gatherings and seasonal guests, ensuring the policy adjusts for the period’s greater liability exposure.
Bryan Butler: Allstate Insurance serves homeowners, businesses, and property managers in Paso Robles and the surrounding area who require umbrella liability coverage. This agency helps clients secure additional layers of protection beyond standard policies, addressing risks from major accidents or property claims. Agents evaluate individual coverage gaps and coordinate umbrella policies with existing auto, home, or business insurance. The agency also offers services to clients in the neighboring community of Atascadero, ensuring comprehensive liability solutions across the North San Luis Obispo County region.
KNOCKOUT INSURANCE SERVICES, LLC serves clients in Paso Robles and the surrounding North San Luis Obispo County communities. The agency handles umbrella insurance policies, which provide additional liability coverage beyond the limits of standard homeowners or auto policies. Such policies help protect personal assets against larger claims or lawsuits. The company typically begins a job by reviewing a client’s existing underlying coverages, then recommends an appropriate umbrella limit based on the client’s asset exposure and risk profile.
With Paso Robles’ frequent afternoon thunderstorms rolling in from the coastal range, local homeowners and vintners face a heightened risk of liability from sudden property damage or guest injuries. Del Paso Insurance Services provides umbrella insurance coverage in this area, helping clients augment their existing homeowners and auto policies with an extra layer of protection against major claims. Their process typically begins with a thorough review of current coverage limits to identify gaps, followed by an on-site risk assessment of the property or business conducted by a licensed agent.
Kent Insurance, serving Paso Robles and the surrounding area, provides residential umbrella insurance to help protect homeowners from unexpected liability claims. The agency also offers commercial umbrella coverage for local businesses seeking an extra layer of security beyond primary policies. Their dedicated team assists clients in assessing individual risk exposures to ensure appropriate coverage limits are selected. After each policy review or claim assistance is completed, the agency follows up to confirm satisfaction and arranges periodic check-ins between regular annual visits.
Maria Elena's Insurance Agency in Paso Robles provides general insurance services focused on protecting clients from unexpected financial liabilities. The agency specializes in umbrella insurance, which offers additional coverage beyond standard home and auto policy limits to safeguard assets from major claims or lawsuits. This extra layer of protection benefits businesses and property owners managing bigger risks. The company serves commercial sectors including local offices for professional service liability, warehouses with higher inventory exposure, and food service operations facing customer injury or product-related claims.
Coastal States Insurance of Paso Robles is known for providing umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Serving clients throughout the Central Coast region, the agency helps protect personal assets from unforeseen lawsuits and major claims. Their work focuses on evaluating individual risk profiles, including rental properties and recreational vehicles, to recommend appropriate policy increments. An additional service they offer is bundling umbrella coverage with existing boat or watercraft insurance for streamlined asset protection.
What Does an a Umbrella Insurance Agent in Paso Robles Cost?
In California, umbrella insurance typically costs between 150 and 300 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 600 dollars annually. Costs vary based on your risk profile, number of properties, and driving record. This is general information, not insurance advice.
About umbrella insurance agents in Paso Robles
An umbrella insurance agent in Paso Robles, California can help you secure extra liability coverage beyond standard policies. California law requires minimum auto liability limits, but an umbrella policy provides additional protection for assets. Agents in Paso Robles understand local risks like wildfire liability and can tailor coverage to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Paso Robles do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims above your home or auto insurance limits. In California, this is important due to high property values and litigation risks. The agent will assess your assets and recommend appropriate coverage levels.
How much umbrella coverage do I need in California?
Most agents recommend at least 1 million dollars in umbrella coverage, but higher limits may be needed for high net worth individuals. California law does not set a specific minimum for umbrella policies. Your agent will consider your assets, income, and potential liability risks.
Are there California-specific rules for umbrella insurance?
Yes, California requires all drivers to carry minimum liability insurance, but umbrella policies are optional. The state also has a comparative fault rule that can affect payouts. An agent can explain how California law impacts your coverage needs.
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