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Find Umbrella Insurance Agents in San Luis Obispo, CA
Browse umbrella insurance agents serving San Luis Obispo, California. Contact information and addresses listed below.
19 agents listed
Updated May 2026
San Luis Obispo, 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 19 umbrella insurance agents in San Luis Obispo, 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.
Mike Smith - State Farm Insurance Agent
1608 Johnson Ave, San Luis Obispo, CA 93401
(805) 546-8393
sfslo.com
Farmers Insurance - Jennifer White
1228 Broad St, San Luis Obispo, CA 93401
(805) 548-8530
jenniferwhiteagency.com
Polk Insurance Agency
1443 Marsh St, San Luis Obispo, CA 93401
(805) 544-6454
polkins.com
SLO Insurance Services
1494 Mill St, San Luis Obispo, CA 93401
(805) 543-7564
sloinsurance.com
Morris & Garritano Insurance
1122 Laurel Ln, San Luis Obispo, CA 93401
(805) 543-6887
morrisgarritano.com
McGee Insurance Agency
2000 Broad St, San Luis Obispo, CA 93401
(805) 543-8833
mcgeeinsurance.com
Minton Insurance
1042 Pacific St # E, San Luis Obispo, CA 93401
(805) 546-8113
minton-insurance.com
Meredith Insurance Center
1303 Higuera St, San Luis Obispo, CA 93401
(805) 548-8672
micslo.com
Goosehead Insurance -- Donaldson Agency
820 Walnut St Suite D, San Luis Obispo, CA 93401
(805) 242-4900
tinaldonaldson.com
Relation Insurance - Engle & Associates Group
1236 Higuera St, San Luis Obispo, CA 93401
(805) 781-6336
engleinsurance.com
Farmers Insurance - Trevor Moriarty
355 Pacific St, San Luis Obispo, CA 93401
(805) 544-8300
agents.farmers.com
Farmers Insurance - Joshua Wright
11573 Los Osos Valley Rd f, San Luis Obispo, CA 93405
(805) 541-3942
agents.farmers.com
DiBuduo & DeFendis Insurance Brokers LLC
100 Cross St Suite 202, San Luis Obispo, CA 93401
(805) 593-1400
dibu.com
Bankers Life and Casualty Company
994 Mill St #250, San Luis Obispo, CA 93401
(805) 784-0103
bankers.com
Adler Belmont Group, Inc.
369 Marsh St #200, San Luis Obispo, CA 93401
(805) 540-3900
adlerbelmontgroup.com
R.L. Insurance Associates Inc.
1363 Marsh St suite a, San Luis Obispo, CA 93401
(805) 783-7130
rlassoc.com
Peterson and Grantham Insurance Brokers SLO
2436 Broad St, San Luis Obispo, CA 93401
(805) 544-9000
png-insurance.com
Melinda Phillips Insurance
1010 Toro St, San Luis Obispo, CA 93401
(805) 600-5962
Coast N Ranch Ins
Maino, 1108 Garden St, San Luis Obispo, CA 93401
(805) 878-3993
An umbrella insurance agent in San Luis Obispo helps you secure personal liability coverage that extends beyond the limits of your home and auto policies. California law requires minimum liability limits for drivers, but a single accident can quickly exceed those amounts. Local agents can tailor a policy to protect your savings and future earnings against large claims or lawsuits.
What Does a Umbrella Insurance Agent in San Luis Obispo Cost?
The cost of umbrella insurance in California typically ranges from 150 to 500 dollars per year for one million dollars in coverage. Higher limits of two to five million dollars may cost 300 to 1,000 dollars annually. Premiums vary based on your assets, driving record, and number of properties. This is general information and not insurance advice. Consult a licensed agent for a quote specific to your situation.
* 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 Luis Obispo do?
An umbrella insurance agent helps you purchase a personal liability policy that provides extra coverage above your existing home and auto insurance. In California, this can protect you from lawsuits that exceed your primary policy limits, such as serious car accidents or dog bite incidents.
How much umbrella coverage do I need in California?
Most agents recommend at least one million dollars in umbrella coverage, but your needs depend on your assets and risk level. California courts can award large judgments, so many residents choose two to five million dollars in coverage to fully protect their home, investments, and future income.
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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.