Umbrella Insurance in San Diego

One lawsuit can exceed your home or auto limits. Umbrella insurance adds an extra layer of liability protection for your assets and future income.

Serving Southern California since 1979 · 5.0-star from 18 Google reviews · Licensed in 5 states

Get a Free Quote Call (800) 919-7475

What Umbrella Insurance Covers

As an independent brokerage, Means Financial & Insurance Services compares multiple carriers to build the right protection at a competitive price.

Extra Liability Limits

Adds $1 million or more in coverage above your home, auto, and boat policy limits.

Lawsuit Protection

Helps cover legal defense costs and judgments that exceed your underlying policies.

Personal Injury Claims

Covers certain claims like libel, slander, and defamation that standard policies exclude.

Rental Property Liability

Extends protection to landlords for claims arising from rental properties you own.

Worldwide Coverage

Liability protection that follows you – not just at home, but often anywhere in the world.

Asset & Income Protection

Shields your savings, home equity, and future earnings from a catastrophic claim.

Why San Diego Chooses Means

We have been a trusted advisor to local families and businesses for over four decades. Here is what sets us apart.

Independent brokerage

We are not tied to one carrier. We compare admitted and non-admitted markets to match your needs with the right price.

Personal service since 1979

You get a dedicated advisor who knows you – not a call center. It is how we have earned a 5.0-star rating.

Southern California expertise

We understand the coverage concerns unique to San Diego homes, drivers, families, and California regulations.

Licensed in 5 states

California, Arizona, Colorado, Nevada, and Ohio – convenient if your life or business crosses state lines.

Who Should Consider It

Homeowners
Landlords
Families with teen drivers
Business owners
Pool or boat owners
High-net-worth households

How It Works

Free consultation

We learn your situation, assets, and priorities.

We compare carriers

We market your coverage to multiple insurers to find the best fit.

Tailored coverage

You get a clear recommendation and proof of insurance fast.

Ongoing support

We review at renewal and adjust as your life changes.

Umbrella Insurance FAQs

What does umbrella insurance cover?

It provides liability coverage above the limits of your home, auto, and other policies – covering large lawsuits, injury claims, and legal defense costs that would otherwise come out of your pocket.

How much umbrella coverage do I need?

A common starting point is $1 million, scaled to your net worth and risk exposure. We help you choose a limit that actually protects your assets.

How much does umbrella insurance cost?

Umbrella policies are surprisingly affordable – often a few hundred dollars a year for $1 million in coverage. We compare carriers to find your best rate.

Do I need umbrella insurance?

If you own a home, have teen drivers, own rentals, or have significant assets to protect, umbrella coverage is one of the most cost-effective protections available.

Does it cover my rental properties?

It can. We structure umbrella coverage to extend over the landlord liability from rental properties you own.

Get a Free Quote

Tell us what you need and we will compare carriers to find you the right coverage. No pressure, no obligation.

Request Your Quote Call (800) 919-7475