How to find an agent for Personal Umbrella Insurance in CA

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Jason BottPro Member
Insurance Agent · Nationwide · Member since 2014 · 2k+ posts · 1k+ votes
3y
Quote from @Kay K.:

Trying to find an agent who can cover personal property, auto and 15+ rentals. My agent said they don't cover that many rentals. 


 Kay, with 15 rentals, you are going to be running out of insurance carriers to wrap the Home, Auto and rentals all under 1 Umbrella.  

I suggest quoting 2 programs.  One for your your personal policies ad one for your rentals.  You will have many more options and have a better chance to lower your over all premium.

I'll DM you the Umbrella companies we use for both scenarios.

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  • Lender · CA · Member since 2018 · 638 posts · 393 votes
    3y

    Hey Kay Kay, I am not an insurance agent, but I believe you can get an umbrella for anything, its based on a coverage amount though, so you would have to pay for say $20M in coverage (probably $1,000/month) for that amount.

  • Jason BottPro Member
    Insurance Agent · Nationwide · Member since 2014 · 2k+ posts · 1k+ votes
    3y
    Quote from @Kay K.:

    Trying to find an agent who can cover personal property, auto and 15+ rentals. My agent said they don't cover that many rentals. 


     Kay, with 15 rentals, you are going to be running out of insurance carriers to wrap the Home, Auto and rentals all under 1 Umbrella.  

    I suggest quoting 2 programs.  One for your your personal policies ad one for your rentals.  You will have many more options and have a better chance to lower your over all premium.

    I'll DM you the Umbrella companies we use for both scenarios.

  • Member since 2022 · 29 posts · 2 votes
    3y
    Quote from @Clayton Silva:

    Hey Kay Kay, I am not an insurance agent, but I believe you can get an umbrella for anything, its based on a coverage amount though, so you would have to pay for say $20M in coverage (probably $1,000/month) for that amount.


     Thank you sir! I am running into some constraints like

    1. More number of rental properties

    2. They don't cover section 8, iron bars in windows etc

  • Member since 2022 · 29 posts · 2 votes
    3y
    Quote from @Jason Bott:
    Quote from @Kay K.:

    Trying to find an agent who can cover personal property, auto and 15+ rentals. My agent said they don't cover that many rentals. 


     Kay, with 15 rentals, you are going to be running out of insurance carriers to wrap the Home, Auto and rentals all under 1 Umbrella.  

    I suggest quoting 2 programs.  One for your your personal policies ad one for your rentals.  You will have many more options and have a better chance to lower your over all premium.

    I'll DM you the Umbrella companies we use for both scenarios.


     Thank you very much! Technically can an individual have 2 umbrella policies? As mentioned above, I am running into the same constraints -More than 4 properties or more than 10 properties, section 8 rentals etc.

  • Lender · CA · Member since 2018 · 638 posts · 393 votes
    3y
    Quote from @Kay K.:
    Quote from @Clayton Silva:

    Hey Kay Kay, I am not an insurance agent, but I believe you can get an umbrella for anything, its based on a coverage amount though, so you would have to pay for say $20M in coverage (probably $1,000/month) for that amount.


     Thank you sir! I am running into some constraints like

    1. More number of rental properties

    2. They don't cover section 8, iron bars in windows etc


    So as I understand it, an umbrella is just blanket liability protection for anything.  I have approximately $3 or $4M in umbrella coverage and they have never asked me number of properties nor what type of tenants.  I am not sure if maybe we are talking about a different type of policy?

  • Lender · CA · Member since 2018 · 638 posts · 393 votes
    3y
    Quote from @Kay K.:
    Quote from @Clayton Silva:

    Hey Kay Kay, I am not an insurance agent, but I believe you can get an umbrella for anything, its based on a coverage amount though, so you would have to pay for say $20M in coverage (probably $1,000/month) for that amount.


     Thank you sir! I am running into some constraints like

    1. More number of rental properties

    2. They don't cover section 8, iron bars in windows etc


     You might want to reach out to my agent that I use, his name is Kade Piazza and his number (209) 371-7112 he can definitely help at least get you a new quote!

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