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RCU Insurance Services

 

Home > Home > More Home Insurance | RCU Insurance Services - Santa Rosa, CA and Napa, CA

Umbrella & earthquake coverage

Supplemental options to ensure you and your property are adequately covered.

Personal or business umbrella insurance

Liability is one of the most important types of insurance policies for individuals and businesses. Umbrella liability insurance isn’t typically required but without it, accidents and lawsuits can cost thousands or millions out of pocket once your base coverage hits its limit.

Covers claims for bodily injury, property damage, and personal and advertising injury. If someone is injured on your business’s property, it can help pay medical bills and lawsuits. It also covers claims regarding libel, slander, copyright infringement, and more.

Covers claims against your business concerning professional negligence. For example, if you’re an accountant and you make a mistake that causes your client to lose a significant amount of money, professional liability insurance can help cover a potential lawsuit.

Both personal auto insurance and commercial auto insurance policies offer some form of liability. Only a certain amount of bodily injury and property damage liability is required for drivers, but minimum requirements aren’t always enough to cover damages.

Rustic Divider

Protect yourself today

Rustic Divider

Learn how a personal or business umbrella policy can help you.

Call RCU Insurance Services at (707) 576-5115 or request on online quote.

Get a Quote

Common umbrella insurance questions

  • What is umbrella insurance?
    Umbrella insurance is an additional policy that can help fill the gaps left by other liability policies. It can cover expenses you may face once your liability insurance reaches its limit.
  • How much does umbrella insurance cost?
    The cost varies depending on your location, coverage limits, deductible, credit score, and other factors. Get a quote to see how much you can save on umbrella liability insurance.
  • Who needs an umbrella policy?
    Anyone at high risk of facing lawsuits or expensive accidents—those who live an expensive or high-risk lifestyle, and/or run a large business—should consider umbrella liability insurance.
  • What does an umbrella policy cover?
    Umbrella insurance can cover personal injury, bodily injury to others, property damage, slander, defamation, libel, defense costs, legal settlements, wrongful eviction, and more.
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Earthquake insurance

Many people living in earthquake-prone areas overlook the need for this type of policy, which covers property damage caused by an earthquake. Most property insurance packages don’t include earthquake protection, but it can be purchased as an add-on. If you’re interested in adding earthquake insurance, request a free quote. Our agents will search dozens of insurance carriers for the best price for your policy. Ask about multi-policy discounts and billing options, too.

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Additional coverage and services

Tile icon Homeowners Insurance

Protect your home against theft, fire and other losses.

Tile icon Renters Insurance

Cover your belongings with affordable coverage.

Tile icon Auto Insurance

Let us find you great coverage at the best value.

Have questions? Please call us toll-free at (866) 477-4225 or at (707) 576-5115.

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  • Vehicle›
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
  • Home›
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
  • Business›
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Compensation Insurance
    • More Business Insurance
  • Additional Insurance›
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 9:00 a.m. - 5:00 p.m.
Vehicle Personal Auto Insurance RV & Boat Insurance More Vehicle Insurance
Home Home Insurance Renters Insurance Dwelling Fire Insurance More Home Insurance
Business Business Owners Insurance Business Auto Insurance Workers' Compensation Insurance More Business Insurance
Additional Insurance Life & AD&D Insurance Pet Insurance Payment Protection More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 8:30 a.m. - 5:00 p.m.
©2025 All Rights Reserved. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. License no. 0D91054. NPN no. 7612227.