California Personal Insurance Update

Personal umbrella Insurance provides extra protection, or limits, above the liability insurance you currently have.  Just as an umbrella protects you from heavy rain, an Umbrella Insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella Insurance can provide limits above your personal auto and home policies.

The cost of a personal umbrella can be as low as $175 per year for $1,000,000 worth of coverage. If you own a boat, jet sky, snowmobile, or any other kind of recreational toy, you should consider a personal umbrella policy.  If you own your home or have a 401 K plan, don’t jeopardize your future by having a liability claim that could cost you everything.

Do you own a boat, second home or have other expensive toys? Often high net worth individuals need higher liability limits to protect personal assets. A simple rule is, the more you own the greater risk you may have of losing it. The nice thing about an umbrella policy is that it is competitively priced. Usually, it costs about $300 per year for each $1,000,000 increment of insurance that you buy, and it can bring you great piece of mind.

Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner’s, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies.

At Leap/Carpenter/Kemps, Merced County’s largest locally-owned agency, we have an experienced staff of professionals who understand that each family has unique insurance needs and that the one-size-fits-all approach just doesn’t work. Our agents have access to more carriers and more plans, and that means that they have more options – including multiple policy discounts and preferred premium pricing – to create the best possible combination of coverage to protect your family while lowering your costs.


Dedicated to Finding You the Best Coverage!