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Umbrella Insurance Agents in Rancho Santa Margarita, CA
Compare umbrella insurance agents in Rancho Santa Margarita. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Rancho Santa Margarita, 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 8 umbrella insurance agents in Rancho Santa Margarita, 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.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
Mashco Insurance Solutions Inc
31 La Cascada, Rancho Santa Margarita, CA 92688
(949) 838-4233
mashcoinsurance.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Phillip Robinson Insurance Agency, Inc.
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
(949) 525-8072
Umbrella insurance agents in Rancho Santa Margarita help residents secure additional liability coverage beyond auto and homeowners policies. California law requires minimum liability limits on auto insurance, but umbrella policies provide an extra layer of protection for major claims or lawsuits. This added coverage can be essential for homeowners in Orange County with significant assets to protect.
What Does a Umbrella Insurance Agent in Rancho Santa Margarita Cost?
The cost of an umbrella insurance policy in California typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage, depending on your risk factors. Higher limits of 2 to 5 million dollars may cost 300 to 1,000 dollars annually. Factors such as number of vehicles, rental properties, and driving record affect the premium. This information is general 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 Rancho Santa Margarita do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides coverage above your existing auto and home insurance limits. They assess your risk profile and recommend appropriate coverage amounts based on your assets and lifestyle.
How much umbrella coverage do I need in California?
Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth and potential liability risks. California courts can award large judgments, so many residents choose 2 to 5 million dollars in coverage.
Is umbrella insurance required by law in California?
Umbrella insurance is not required by California law, but it is a prudent choice for those with significant assets. California auto insurance law only mandates minimum liability limits of 15 thousand dollars per person and 30 thousand dollars per accident, which may not be enough in a serious accident.
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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.