California
Umbrella insurance in California.
1,878 independent agencies are licensed to write umbrella insurance across California, with the most listings in San Diego, Los Angeles, San Francisco. An independent agent compares householdcoverage from multiple carriers to fit your coverage and budget, not just one company’s rate.
1,878agencies writing umbrella
361communities
239with 20+ year records
What umbrella insurance can cover
- Excess liability above home/auto limits
- Bodily injury liability
- Property damage liability
- Landlord liability (scheduled rentals)
- Defense costs
- Worldwide coverage (per policy terms)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Where to look
Umbrella agencies across California.
The California communities with the most umbrella listings. Pick yours to see local agencies.
San Diego96 agenciesLos Angeles82 agenciesSan Francisco77 agenciesIrvine58 agenciesWoodland Hills38 agenciesNewport Beach33 agenciesFresno28 agenciesWalnut Creek28 agenciesHuntington Beach27 agenciesSacramento27 agenciesRoseville24 agenciesPasadena23 agenciesSan Jose22 agenciesRiverside21 agenciesWestlake Village21 agenciesCarlsbad20 agenciesRancho Cucamonga20 agenciesOntario19 agencies
Every community
All California communities for umbrella insurance
361 communities have at least one independent agency licensed for umbrella insurance. Browse them all:
Agoura (1)Agoura Hills (8)Alameda (4)Alamo (2)Alhambra (2)Aliso Viejo (10)Altadena (1)Alturas (1)Anaheim (16)Anderson (1)Apple Valley (1)Aptos (1)Arcadia (8)Arroyo Grande (1)Atwater (1)Auburn (1)Azusa (1)Bakersfield (14)Bass Lake (1)Beaumont (2)Bellflower (1)Benicia (3)Beverly Hills (8)Bloomington (1)Blue Jay (1)Bonita (1)Brawley (1)Brea (9)Brentwood (3)Buena Park (6)Burbank (12)Burlingame (2)Calabasas (7)Calexico (3)Camarillo (5)Cameron Park (1)Campbell (4)Canoga Park (3)Canyon Country (1)Capitola (2)Carlsbad (20)Carmel (2)Carpinteria (1)Carson (2)Castro Valley (1)Cathedral City (3)Catheys Valley (1)Cerritos (6)Chatsworth (5)Chico (3)Chino (1)Chino Hills (3)Chula Vista (13)Citrus Heights (5)City Of Industry (3)Claremont (3)Clayton (1)Clovis (8)Commerce (1)Concord (5)Corona (8)Corona Del Mar (1)Coronado (1)Costa Mesa (11)Cotati (1)Covina (10)Culver City (3)Cupertino (1)Cypress (7)Dana Point (2)Danville (2)Del Mar (2)Diamond Bar (7)Dinuba (1)Discovery Bay (1)Downey (9)Dublin (4)Eastvale (1)El Cajon (7)El Centro (1)El Cerrito (1)El Dorado Hills (5)El Monte (3)El Segundo (5)Eldorado Hills (1)Elk Grove (5)Emeryville (1)Encinitas (1)Encino (15)Escondido (7)Eureka (1)Exeter (1)Fair Oaks (5)Fairfield (3)Fallbrook (1)Folsom (9)Fontana (8)Foothill Ranch (3)Fortuna (1)Foster City (2)Fountain Valley (4)Fremont (6)Fresno (28)Fullerton (7)Garden Grove (8)Gardena (1)Gilroy (2)Glendale (17)Glendora (4)Gold River (1)Goleta (1)Granada Hills (5)Grand Terrace (1)Granite Bay (5)Grass Valley (1)Gustine (2)Hacienda Heights (1)Half Moon Bay (1)Hanford (3)Harbor City (1)Hawthorne (2)Hayward (3)Hemet (2)Hesperia (1)Highland (1)Hughson (1)Huntington Beach (27)Huntington Park (2)Industry (1)Inglewood (1)Irvine (58)Jurpa Valley (1)Jurupa Valley (1)Kentfield (1)Kingsburg (2)La Canada (1)La Canada Flintridge (1)La Crescenta (2)La Habra (4)La Jolla (5)La Mesa (15)La Mirada (2)La Quinta (4)Ladera Ranch (5)Lafayette (2)Laguna Beach (7)Laguna Hills (5)Laguna Niguel (7)Lake Forest (9)Lakeport (1)Lakewood (1)Lancaster (1)Larkspur (1)Lathrop (4)Laverne (1)Lincoln (1)Livermore (5)Lomita (2)Long Beach (18)Loomis (1)Los Alamitos (5)Los Altos (3)Los Angeles (82)Los Angles (1)Los Gatos (4)Los Olivos (1)Madera (2)Malibu (2)Manhattan Beach (4)Marina Del Rey (4)Martinez (1)Marysville (1)Mckinleyville (1)Menifee (2)Menlo Park (1)Merced (2)Mill Valley (1)Mission Hills (3)Mission Viejo (9)Modesto (8)Monrovia (5)Montclair (1)Monte Sereno (1)Montebello (1)Montrose (2)Moorpark (2)Moreno Valley (2)Morgan Hill (6)Mountain House (2)Mountain View (4)Murrieta (11)Napa (3)National City (1)Newark (1)Newbury Park (5)Newhall (1)Newport Beach (33)Norco (2)North Hills (1)North Hollywood (5)Northridge (8)Norwalk (1)Novato (6)Oakland (8)Occidental (1)Oceanside (4)Ojai (1)Ontario (19)Orange (16)Orangevale (3)Orinda (1)Orland (1)Oxnard (5)Pacific Palisades (1)Pacifica (1)Palm Desert (6)Palm Springs (4)Palmdale (6)Palo Alto (10)Panorana City (1)Paramount (1)Pasadena (23)Paso Robles (2)Patterson (1)Pebble Beach (1)Petaluma (7)Piedmont (1)Pittsburg (1)Placentia (3)Placerville (1)Pleasant Hill (3)Pleasanton (11)Plumas Lake (1)Pomona (3)Porterville (1)Poway (4)Quartz Hill (1)Rancho Cordova (3)Rancho Cucamonga (20)Rancho Mirage (1)Rancho Ncucamonga (1)Rancho Santa Fe (4)Red Bluff (1)Redding (6)Redlands (9)Redondo Beach (11)Redwood City (1)Reseda (1)Rialto (1)Ripon (1)Riverside (21)Rocklin (4)Rohnert Park (3)Rosemead (4)Roseville (24)Rowland Heights (4)Sacramento (27)Saint Helena (1)Salinas (3)San Anselmo (1)San Bernadino (1)San Bernardino (4)San Carlos (1)San Clemente (7)San Diego (96)San Dimas (4)San Francisco (77)San Franciso (1)San Gabriel (3)San Jacinto (1)San Jose (22)San Juan Capistrano (3)San Leandro (3)San Luis Obispo (4)San Marcos (6)San Marino (1)San Mateo (9)San Pedro (3)San Rafael (3)San Ramon (7)San Ysidro (2)Santa Ana (14)Santa Barbara (13)Santa Clara (1)Santa Clarita (2)Santa Cruz (3)Santa Maria (1)Santa Monica (10)Santa Rosa (7)Santee (4)Saratoga (2)Sausalito (2)Scotts Valley (1)Seal Beach (1)Shadow Hills (1)Shasta Lake (1)Sherman Oaks (10)Sierra Madre (1)Simi Valley (12)Solana Beach (3)Sonoma (2)Sonora (1)Soquel (1)South El Monte (1)South Gate (3)South Pasadena (2)South San Francisco (1)Spring Valley (1)St. Helena (1)Stevenson Ranch (1)Stockton (4)Studio City (4)Sun Valley (1)Sunland (1)Sunnyvale (3)Sylmar (1)Tarzana (10)Tehachapi (1)Temecula (17)Temple City (1)Templeton (1)Thousand Oaks (9)Torrance (18)Tracy (6)Tulare (1)Tulelake (1)Tuolumne (1)Turlock (4)Tustin (7)Ukiah (1)Union City (1)Upland (6)Vacaville (1)Valencia (8)Valley Center (3)Valley Village (3)Van Nuys (6)Venice (1)Ventura (3)Victorville (2)Visalia (3)Vista (9)Waco (1)Walnut (3)Walnut Creek (28)Walnut Grove (1)Watsonville (1)West Covina (4)West Hills (5)West Hollywood (2)West Sacramento (1)Westlake Village (21)Westminster (5)Whittier (4)Wildomar (2)Winnetka (1)Woodland (3)Woodland Hills (38)Woodside (1)Yorba Linda (7)Yuba City (1)
Frequently asked questions
How many independent umbrella agencies are in California?
Public licensing records list 1,878 independent agencies licensed to write umbrella insurance across California, in 361 communities. 239 California agencies have records going back 20 or more years.
How do I get umbrella insurance quotes in California?
Tell us what you need once and we connect you with a licensed independent agency that serves your area in California. You'll see who may contact you before you submit, and we never sell your information.
How does an umbrella policy work?
It sits above your underlying home and auto liability limits and responds after they're exhausted. Carriers require minimum underlying limits — an agent lines those up.
More coverage
Other lines in California.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.