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Directory of umbrella insurance agents in Santa Maria, California. Verify credentials with the state department of insurance before hiring.
19 agents listed
Updated May 2026
Santa Maria, 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 Santa Maria, 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.
Donna Randolph - State Farm Insurance Agent
1650 S Broadway, Santa Maria, CA 93454
(805) 925-4610
donnarandolph.com
AAA Santa Maria Insurance and Member Services
2033 S Broadway, Santa Maria, CA 93454
(805) 922-5731
ace.aaa.com
Premier Blue Insurance Solutions, Inc: Allstate Insurance
1640 N Broadway, Santa Maria, CA 93454
(805) 349-9141
agents.allstate.com
Glenna Ledbetter Insurance
440 E Clark Ave, Santa Maria, CA 93455
(805) 937-4516
glennaledbetterinsurance.com
Allstate Insurance Agent: Santa Maria Insurance Agency, Inc.
125 E Stowell Rd STE 101, Santa Maria, CA 93454
(805) 922-5551
agents.allstate.com
Smartway Insurance Services Inc
1975 S Broadway Suite K, Santa Maria, CA 93454
(805) 631-5255
savewithsmartway.com
Pacific Elite Insurance Services
1750 S Broadway H, Santa Maria, CA 93454
(805) 357-5597
paceliteins.com
Hometown Insurance Services
1125 E Clark Ave Suite A1- #1, Santa Maria, CA 93455
(805) 922-3351
askhometown.com
Eagle Service Insurance Agency
830 W Main St suite 100, Santa Maria, CA 93458
(805) 346-6105
eagleserviceins.com
Aguilar Insurance
718 W Main St, Santa Maria, CA 93458
(805) 925-8755
Leavitt Coastal Valley
204 E Enos Dr B, Santa Maria, CA 93454
(805) 925-8607
leavitt.com
Farmers Insurance - Elvira Santos
930 S Broadway #104, Santa Maria, CA 93454
(805) 928-8004
agents.farmers.com
Alpha & Omega Agency
326 W Main St Suite 220, Santa Maria, CA 93458
(805) 354-0031
alphaomegabk.com
HUB International
2560 Professional Pkwy, Santa Maria, CA 93455
(805) 347-4700
hubinternational.com
Pan American Insurance Agency
2529 Professional Pkwy ste b, Santa Maria, CA 93455
(805) 938-1575
California Star Insurance Service, Inc.
2236 S Broadway k, Santa Maria, CA 93454
(805) 266-7971
calstarins.com
Reyco Insurance Services Store Front Covered California
528 E Main St, Santa Maria, CA 93454
(805) 925-8610
reycoinsuranceservices.com
Tony Cravello Financial and Insurance Solutions
Inside the Santa Maria Inn, 801 S Broadway Suite #15, Santa Maria, CA 93454
(805) 268-4455
tonycravelloinsurance.com
Nais Insurance
Santa Maria, CA 93454
(800) 791-1030
naiscompany.com
An umbrella insurance agent in Santa Maria can help you secure additional liability coverage that goes beyond the limits of your auto or homeowners policy. In California, where property values and litigation costs are often high, umbrella policies provide an extra layer of financial protection. Local agents understand the specific risks and coverage needs of residents in Santa Barbara County.
What Does a Umbrella Insurance Agent in Santa Maria 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 profile and the number of underlying policies. Higher limits or additional risk factors may increase the premium. 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 policy cover in California?
An umbrella policy covers claims that exceed the limits of your underlying auto or homeowners insurance. It also covers certain claims that your primary policies may exclude, such as libel or slander. In California, this extra coverage can protect your savings and future wages from large lawsuit judgments.
How much umbrella insurance do I need in Santa Maria?
The amount you need depends on your total assets and potential future earnings. Common coverage limits start at 1 million dollars and go up to 5 million dollars or more. Your agent will help you assess your personal risk based on your property, income, and lifestyle.
Do I need umbrella insurance if I have a homeowners policy in California?
Yes, because standard homeowners and auto policies have liability limits that may not cover a serious accident or lawsuit. In California, where medical costs and legal fees can be very high, an umbrella policy provides essential extra protection. It also covers legal defense costs that your primary policy might not fully cover.
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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.