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Looking for a umbrella insurance agent in San Diego? Review the directory below to compare your options.
20 agents listed
Updated May 2026
San Diego, 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 20 umbrella insurance agents in San Diego, 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.
Wawanesa Insurance – Onsite Services Unavailable
8954 Rio San Diego Dr Suite 406, San Diego, CA 92108
(800) 640-2920
wawanesa.com
Fusco Orsini & Associates Insurance Services
8880 Rio San Diego Dr Ste 725, San Diego, CA 92108
(888) 789-6175
foagency.com
The Insurance Store
10981 San Diego Mission Rd #230, San Diego, CA 92108
(619) 401-1800
tisteam.com
Kiesau Insurance Services
9968 Hibert St #104, San Diego, CA 92131
(858) 566-8555
kiesauinsuranceservices.com
AAA San Diego Insurance and Member Services
12630 Sabre Springs Pkwy Ste 301, San Diego, CA 92128
(858) 486-0786
ace.aaa.com
Right Time Insurance Services
1761 Hotel Cir S, San Diego, CA 92108
(619) 299-6000
rightins.com
Bruce Hofbauer - State Farm Insurance Agent
12396 World Trade Dr Suite 113, San Diego, CA 92128
(858) 679-2880
sfbruce.com
Zazzera Financial & Insurance Services Inc
3737 Camino del Rio S #207, San Diego, CA 92108
(619) 963-2288
zazinsurance.com
Beach Break Insurance Agency #6008907
4849 Ronson Ct # 210, San Diego, CA 92111
(619) 567-7227
beachbreakinsurance.com
Kirk Miller Insurance Agency
10636 Scripps Summit Ct Ste 110, San Diego, CA 92131
An umbrella insurance agent in San Diego helps you secure extra liability coverage that kicks in after your home or auto policy limits are exhausted. California law requires minimum auto liability limits of 15/30/5 but umbrella policies typically start at 1 million dollars in coverage. San Diego residents with pools rental properties or high net worth often need this added protection against lawsuits common in the state.
What Does a Umbrella Insurance Agent in San Diego Cost?
A typical umbrella insurance policy in California costs between 150 and 300 dollars per year for 1 million dollars in coverage. Adding another million often costs 50 to 100 dollars more annually. Costs vary based on your risk factors such as number of vehicles property value and driving record. 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 San Diego do?
An umbrella insurance agent reviews your existing home and auto policies to recommend a personal umbrella policy. They help you choose the right coverage limit often 1 to 5 million dollars to protect assets like your home or savings. The agent also ensures you meet California minimum underlying coverage requirements.
Do I need umbrella insurance in California?
You may need umbrella insurance in California if you own a home have significant savings or face higher lawsuit risks. California is a fault state and juries can award large settlements in liability cases. Umbrella coverage protects your assets beyond what your auto or homeowners policy provides.
How much umbrella coverage do I need in San Diego?
Most agents recommend at least 1 million dollars in umbrella coverage for San Diego homeowners. If you have a rental property a boat or a teenage driver you might need 2 to 5 million dollars. Your agent can calculate the right amount based on your total assets and liability exposure.
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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.