Umbrella insurance is a type of liability insurance that provides an additional layer of security beyond the limits of the policyholder’s standard insurance policies. At RCU Insurance Services in Santa Rosa, California, we understand the importance of helping clients protect their assets. Contact us today for a personalized umbrella insurance quote.

Is Umbrella Insurance Worth It?

Umbrella insurance is designed to step in when the limits of your existing policies, like auto or homeowners insurance, are exhausted.

If you are liable for damages exceeding your primary insurance’s limits, umbrella insurance may help cover the additional costs. For individuals with significant assets, umbrella insurance offers a way to protect these assets from being at risk in a legal settlement.

Umbrella insurance often includes coverage for claims such as false arrest, libel, slander or invasion of privacy that primary policies may exclude.

Given these benefits, umbrella insurance can be a worthwhile investment, especially for those with substantial assets or at a higher risk of being sued.

How Much Should Umbrella Insurance Cost?

The cost of umbrella insurance varies depending on several factors, and understanding these can help you gauge how much you should expect to pay for this additional coverage.

Umbrella policies typically start at $1 million in coverage, with higher limits available. The more coverage you opt for, the higher the cost.

Insurers will consider your personal risk factors, such as owning property, having certain breeds of dogs, owning a pool or having a young driver in the household.

The required limits on your primary policies—like auto and homeowners insurance—can influence the cost of umbrella insurance. Generally, insurers require higher underlying limits before offering an umbrella policy.

Contact Us

At RCU Insurance Services, we specialize in helping you understand and navigate the complexities of umbrella insurance. Whether you are looking for commercial umbrella insurance, an umbrella liability insurance policy, or want to know more about umbrella insurance costs, our team is here to assist. Contact us for a personalized quote and guidance on whether umbrella insurance is right for you.