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Find Umbrella Insurance Agents Near You in San Jose, CA

Browse umbrella insurance agents serving San Jose, California. Updated 2026-07-14.

The top-rated umbrella insurance agent in San Jose, California is Acceptance Insurance, rated 4.9 stars across 1,064 reviews. Other highly rated options include Farmers Insurance - Ironwood Insurance Agency, Preeti Sehgal - State Farm Insurance Agent, Khalsa Insurance Agency. This directory lists 26 umbrella insurance agents serving San Jose.

Showing 26 umbrella insurance agents in San Jose, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Acceptance Insurance2602 Alum Rock Ave(408) 610-7535
2Farmers Insurance - Ironwood Insurance Agency816 N First St #100(408) 224-7800
3Preeti Sehgal - State Farm Insurance Agent1054 S De Anza Blvd STE 106(408) 320-1022
4Khalsa Insurance Agency3750 McKee Rd A(408) 272-2500
5Bob Fillhouer - State Farm Insurance Agent2899 The Villages Pkwy(408) 558-7771
6Atlantida Insurance Services5304 Monterey Rd A(408) 362-0413
7Wynn Insurance Agency88 Tully Rd STE 100(408) 215-2087
8Farmers Insurance - Mahshid Mirzaei1650 Zanker Rd Ste 131(408) 384-3431
9PHP Insurance Services Inc.1290 Tully Rd suite 80(408) 528-1528
10Red Wave Insurance Services1038 Leigh Ave UNIT 201(408) 836-4560
AI
2602 Alum Rock Ave
Acceptance Insurance
Umbrella Insurance Agent · San Jose, CA

Acceptance Insurance serves the San Jose, California, metro area as an umbrella insurance agent. This firm assists clients in securing extra liability coverage that goes beyond the limits of standard home or auto policies. Umbrella insurance is commonly selected by local homeowners and drivers who wish to protect their assets from major lawsuits or claims. The agency handles the evaluation of individual coverage needs within the region. It specifically assists San Jose residents with obtaining excess liability protection and reviewing policy risk thresholds for personal financial planning.

FI
816 N First St #100
Farmers Insurance - Ironwood Insurance Agency
Umbrella Insurance Agent · San Jose, CA

Farmers Insurance - Ironwood Insurance Agency in San Jose, California, provides a full range of umbrella insurance services, including liability coverage that extends beyond standard policy limits. The agency typically assists clients by evaluating their existing policies and adjusting coverage limits to match potential risks and asset values. Service and maintenance plans involve regular policy reviews to ensure coverage adapts to changing personal or business circumstances. The agency serves properties such as single-family homes, apartments, retail spaces, and restaurants, helping protect both residential and commercial clients from unforeseen liability claims.

PS
1054 S De Anza Blvd STE 106
Preeti Sehgal - State Farm Insurance Agent
Umbrella Insurance Agent · San Jose, CA

Preeti Sehgal - State Farm Insurance Agent in San Jose, CA serves homeowners, businesses, and property managers in need of umbrella insurance coverage. This type of policy provides extra liability protection above standard home or auto limits, helping clients safeguard their assets against major claims or lawsuits. The agency guides customers through policy options to match their individual risk profiles and coverage requirements. Preeti Sehgal also extends these services to clients throughout nearby communities such as Cupertino and the greater Santa Clara County area.

KI
3750 McKee Rd A
Khalsa Insurance Agency
Umbrella Insurance Agent · San Jose, CA

Serving San Jose and the surrounding communities of Santa Clara County, Khalsa Insurance Agency works as an umbrella insurance agent. It handles policies that provide extra liability coverage beyond the limits of standard auto and homeowners insurance, protecting clients against major claims and lawsuits. For each situation, the agency assesses a client’s current coverage and personal risk factors to recommend an appropriate policy limit. It uses a straightforward consultation to ensure the additional protection fits seamlessly with existing plans.

BF
2899 The Villages Pkwy
Bob Fillhouer - State Farm Insurance Agent
Umbrella Insurance Agent · San Jose, CA

In San Jose, CA, Bob Fillhouer - State Farm Insurance Agent provides both one-time policy consultations and recurring coverage adjustments for personal umbrella insurance. This service protects clients from major claims or lawsuits that surpass standard auto or homeowners policy limits, offering extended liability coverage for unforeseen accidents or incidents on the insured’s property. Regular policy reviews ensure limits keep pace with changing assets or risks. Service runs on a scheduled basis, typically tied to annual homeowners or auto renewal cycles.

AI
5304 Monterey Rd A
Atlantida Insurance Services
Umbrella Insurance Agent · San Jose, CA

Atlantida Insurance Services offers personalized umbrella insurance agent services in San Jose, CA, focusing on extending liability protection beyond standard home and auto policies. It helps clients safeguard their assets from major claims and lawsuits. The company advises on coverage limits and policy integration with existing insurance. As winter rains increase risks of slip-and-fall accidents or flood-related damage, it assists homeowners in securing additional liability layers to address these heightened seasonal exposures.

WI
88 Tully Rd STE 100
Wynn Insurance Agency
Umbrella Insurance Agent · San Jose, CA

As the rainy season arrives in San Jose, homeowners and drivers begin to review their liability coverage more closely. Wynn Insurance Agency helps local residents secure umbrella insurance policies that provide an extra layer of financial protection beyond standard auto or home limits. Their agents assess individual risk factors, including property exposure and driving history, to recommend appropriate coverage levels. An initial consultation involves reviewing existing underlying policies and identifying potential gaps before moving forward.

FI
1650 Zanker Rd Ste 131
Farmers Insurance - Mahshid Mirzaei
Umbrella Insurance Agent · San Jose, CA

Farmers Insurance - Mahshid Mirzaei provides umbrella insurance coverage for residential properties in San Jose, California, helping homeowners protect their assets beyond standard policy limits. The agency also extends commercial umbrella coverage to local businesses, serving clients throughout the San Jose area. Additional liability protection can be arranged to meet individual needs. The office welcomes follow-up service visits to review policy updates between regular premium payments, ensuring coverage remains aligned with changing circumstances.

PI
1290 Tully Rd suite 80
PHP Insurance Services Inc.
Umbrella Insurance Agent · San Jose, CA

PHP Insurance Services Inc. handles general insurance needs for clients in San Jose, California, with a particular focus on providing umbrella liability coverage. This specialized layer of protection extends beyond the limits of underlying policies, safeguarding personal assets against major claims and lawsuits. The agency advises commercial clients across a range of sectors, helping them manage risk associated with daily operations. Its services can be accessed by businesses operating offices, warehouses, and food service establishments.

RW
1038 Leigh Ave UNIT 201
Red Wave Insurance Services
Umbrella Insurance Agent · San Jose, CA
OI
1526 Alum Rock Ave
Oasis Insurance Services Inc
Umbrella Insurance Agent · San Jose, CA
(408) 729-7858
oasisinsurance.org
FI
3535 Ross Ave Ste 307
Farmers Insurance - Genaro Garza
Umbrella Insurance Agent · San Jose, CA
(408) 516-0440
agents.farmers.com/ca/san-jose/genaro-garza
LS
1900 Camden Ave #204
Let's Insure - San Jose
Umbrella Insurance Agent · San Jose, CA
(877) 851-7867
letsinsure.org
CI
8 N San Pedro St #200
Campus Insurance Service
Umbrella Insurance Agent · San Jose, CA
(408) 296-5270
campusinsurance.com
SS
2774 Aborn Rd
Satwant Singh Insurance Services
Umbrella Insurance Agent · San Jose, CA
(408) 771-2438
satwantins.com
KI
1225 W San Carlos St
KIS Insurance Services
Umbrella Insurance Agent · San Jose, CA
(408) 491-1111
kisinsurance.com
FI
2695 Moorpark Ave suite 200-b
Farmers Insurance - Kelly Dunn
Umbrella Insurance Agent · San Jose, CA
(408) 409-5187
agents.farmers.com/ca/san-jose/kelly-dunn
AI
1080 Saratoga Ave Ste. 9
Anjomi Insurance Agency
Umbrella Insurance Agent · San Jose, CA
(408) 257-7400
HW
1741 Technology Dr #260
Heffernan Walton Insurance Services
Umbrella Insurance Agent · San Jose, CA
(408) 265-2800
waltoninsurance.com
GI
1095 Bird Ave. #2
Gatewood Insurance Agency Inc
Umbrella Insurance Agent · San Jose, CA
(408) 298-1611
gatewoodinsurance.com
FI
2695 Moorpark Ave Ste 201
Farmers Insurance - Yuan Li
Umbrella Insurance Agent · San Jose, CA
(408) 868-8726
agents.farmers.com/ca/san-jose/yuan-li
FI
5985 Almaden Expy
Farmers Insurance - Milica Farrington
Umbrella Insurance Agent · San Jose, CA
(408) 256-4334
agents.farmers.com/ca/san-jose/milica-farrington
FI
567 E Santa Clara St
Farmers Insurance - Phan Le
Umbrella Insurance Agent · San Jose, CA
(408) 298-3562
agents.farmers.com/ca/san-jose/phan-le
FI
2695 Moorpark Ave Ste 100b
Farmers Insurance - Scott Flanigan
Umbrella Insurance Agent · San Jose, CA
(408) 234-1390
agents.farmers.com/ca/san-jose/scott-flanigan
LI
999 Story Rd UNIT 9063
LNA Insurance Agency, Inc.
Umbrella Insurance Agent · San Jose, CA
(408) 280-5815
lna-insurance.com
AS
4010 Moorpark Ave
All Spectrum Insurance Brokers
Umbrella Insurance Agent · San Jose, CA
(408) 604-0092

What Does an a Umbrella Insurance Agent in San Jose Cost?

The cost of umbrella insurance in California typically ranges from $150 to $300 per year for $1 million in coverage. For $2 million in coverage, the annual premium is often between $250 and $500. Costs vary based on your risk profile, number of properties, and driving record. This is general information and not insurance advice.

About umbrella insurance agents in San Jose

Umbrella insurance agents in San Jose help residents secure additional liability coverage that goes beyond the limits of auto and homeowners policies. In California, where property values and lawsuit settlements can be high, umbrella policies provide a crucial safety net. These policies typically start at $1 million in coverage and can protect against claims like libel or slander.

Frequently Asked Questions

What does an umbrella insurance agent in San Jose do?

An umbrella insurance agent helps you assess your personal liability risks and find a policy that covers gaps in your existing insurance. They explain how umbrella coverage works with your auto and home policies to provide a higher limit of protection.

How much umbrella coverage do I need in California?

The amount of umbrella coverage you need depends on your assets and income. Many agents recommend at least $1 million in coverage, but high net worth individuals in California may need $2 million to $5 million due to the state's high cost of living and litigation environment.

Do I need umbrella insurance if I have a rental property in San Jose?

Yes, if you own a rental property in San Jose, umbrella insurance can protect you from liability claims made by tenants or visitors. California landlord-tenant laws can lead to expensive lawsuits, and umbrella coverage adds an extra layer of protection beyond your rental property insurance.

Umbrella Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.