ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Looking for a umbrella insurance agent in San Marcos? Review the directory below to compare your options.
19 agents listed
Updated May 2026
San Marcos, 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 Marcos, 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.
Just Us Insurance Services, Inc.
197 Woodland Pkwy Ste 104320 Suite 104 - 320, San Marcos, CA 92069
(877) 777-7055
insr4u.com
Vladan Trifunovic - State Farm Insurance Agent
250 S Pacific St STE 103, San Marcos, CA 92078
(760) 471-6111
vladtheagent.com
AAA San Marcos Insurance and Member Services
137 S Las Posas Rd Ste 154, San Marcos, CA 92078
(760) 736-8425
ace.aaa.com
Access Health Insurance Services Inc
950 Boardwalk STE 205, San Marcos, CA 92078
(760) 727-9000
accesshealthins.com
Harding Insurance Agency Inc
375 S Rancho Santa Fe Rd STE 105, San Marcos, CA 92078
(760) 603-1100
hardinginsuranceonline.com
Farmers Insurance - Jeffrey Peddie
1645 S Rancho Santa Fe Rd Ste 207, San Marcos, CA 92078
(760) 758-9600
agents.farmers.com
SGL Insurance Services
250 S Pacific St STE 104, San Marcos, CA 92078
(760) 290-3288
sglinsurance.com
Schaub Insurance Agency, Inc.
950 Boardwalk STE 205, San Marcos, CA 92078
(760) 362-4646
schaubinsurance.com
Farmers Insurance - Kashif Ahmed
1605 W Mission Rd Ste A, San Marcos, CA 92069
(760) 434-1932
agents.farmers.com
Pacific Farm & Ranch Insurance Agency
310 Via Vera Cruz Ste 203, San Marcos, CA 92078
(858) 768-2498
farmandranchagency.com
John Hadley - State Farm Insurance Agent
405 S Las Posas Rd, San Marcos, CA 92078
(760) 591-0700
johnfromsf.com
Farmers Insurance - Nick Adamo
823 Grand Ave Ste 203, San Marcos, CA 92078
(760) 670-2575
agents.farmers.com
Farmers Insurance - Joseph Sprague
1001 W San Marcos Blvd Ste 200, San Marcos, CA 92078
(760) 471-1151
agents.farmers.com
Lanni Insurance
1224 San Elijo Rd N, San Marcos, CA 92078
(760) 815-7563
lanniinsurance.com
Ayala's Insurance Inc
206 S Rancho Santa Fe Rd, San Marcos, CA 92078
(760) 758-8009
American National Insurance - General Agent Mark Miletello
310 Via Vera Cruz Ste 203, San Marcos, CA 92078
(858) 768-2498
americannational.com
Piceno Insurance
547 McMahr Rd, San Marcos, CA 92078
(760) 891-0741
michaelcpicenoinsurance.com
Farmers Insurance - Lawrence Krell
310 Via Vera Cruz Ste 201, San Marcos, CA 92078
(760) 744-0080
agents.farmers.com
Heather Miletello Insurance
310 Via Vera Cruz Suite 203-B, San Marcos, CA 92078
(858) 768-2498
americannational.com
Umbrella insurance agents in San Marcos help residents secure extra liability protection beyond standard auto and home policies. California requires minimum liability limits on auto insurance, but a personal umbrella policy can add coverage starting at one million dollars. This extra layer is valuable for homeowners, renters, and drivers in North County San Diego.
What Does a Umbrella Insurance Agent in San Marcos Cost?
In California, a one million dollar personal umbrella policy typically costs between 150 and 300 dollars per year. Higher limits, such as two or five million dollars, may cost 300 to 800 dollars annually. Costs vary based on your risk profile, number of vehicles, and property value. 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 Marcos do?
An umbrella insurance agent helps you evaluate your current liability risks and recommends a policy that provides additional coverage above your existing home and auto limits. They explain how the policy works and assist with the application process.
Do I need umbrella insurance in California?
California law does not require umbrella insurance, but it is recommended if you have significant assets or face higher liability risks. For example, if you own a home, have a swimming pool, or drive frequently, an umbrella policy can protect your savings and future earnings.
How much umbrella coverage should I get in San Marcos?
Most agents suggest starting with one million dollars in umbrella coverage. The right amount depends on your net worth, income, and lifestyle. A local agent can review your assets and help you choose a limit that fits your needs.
Free • No Obligation
Compare Umbrella Insurance Agents
Get matched with agents in San Marcos who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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.