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Home > Umbrella Insurance - Half Moon Bay CA & San Mateo CA - Kevin O’Brien Insurance

Personal Umbrella Insurance


Personal Umbrella Insurance Information

Umbrella Liability Insurance

Kevin O’Brien Insurance Agency has been in business for more than 30 years, and we’re focused on helping every client get the insurance solutions that are customized to fit their long-term needs. Located in Half Moon Bay, CA, we’re committed to helping our neighbors and all residents of the extended Bay Area find perfect coverage that remains affordable and always protects them when they need it.

You know that your personal insurance policies are going to provide you with quality liability benefits. However, you might want more coverage than an average policy can realistically provide, and you can find that solution within an umbrella liability policy. This customized policy will offer you a high level of protection at times when you need it most, and you deserve to have it in your insurance portfolio.

To get your policy now, just call us at 650-726-6328 or request your free quote online now!

Common Umbrella Insurance Questions

What is umbrella insurance and who needs it?

Within your average liability insurance policy—auto liability, homeowners liability and similar plans—you will have a promise that if you are ever legally responsible for causing a problem for someone else, then your policy will help you repay that party.

Still, you have no guarantee that someone else’s losses will be covered within the limits of your liability insurance. Rather than face the risk of paying residual costs on your own, you can turn to an umbrella liability policy for further assistance. Once your standard liability plan pays up to its limits, your umbrella policy can make up the difference of what you still owe.

Anyone who wants to be prepared for a worst-case scenario can benefit from this coverage. It’s a guarantee that if you ever face a significant financial challenge from someone else, then you will be able to make up for it.

What does umbrella insurance cover?

A single personal umbrella policy can apply to numerous liability policies at the same time, including:

  • Auto insurance

  • Homeowners insurance

  • Renters insurance

  • Boat insurance

  • Motorcycle insurance

  • RV insurance

Additionally, some umbrella policies also cover liabilities that your basic plans won’t. For example, though your standard homeowners insurance plan might not cover pet bite liabilities, your umbrella plan might. 

All in all, a single umbrella plan will unlock the door to a plethora of extra benefits that you might not have ever realized you needed, but that can be lifesavers during life’s tough situations.

Is it worth having umbrella insurance?

Consider a real-world scenario of when umbrella insurance might come to your aid.

Suppose that you cause a car wreck that severely injures another driver. Your standard auto liability insurance will pay only up to $250,000 for that driver’s injuries. However, the driver sues you for $750,000 worth of medical bills. That’s a $500,000 difference that your auto policy won’t cover.

However, your umbrella liability insurance can provide that extra help. Once your base policy pays up to its $250,000 limits, then your umbrella policy can pay the $500,000 difference. Many policies offer at least $1 million in additional benefits, and the price is very affordable given this policy’s adaptability.

As you can see, the added benefit of this affordable coverage will go above and beyond to help you get away from some of the most challenging accidents that life might throw your way.




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650-726-6328 adam@kevinobrieninsurance.com
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720 Kelly Ave
Half Moon Bay, CA 94019
P: 650-726-6328
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