Why Homeowner’s Should Get an Umbrella Insurance Policy in California

An umbrella insurance policy from Armorcrest Insurance Services in El Centro, CA can help protect you and your family from financial loss.

This insurance add-on bridges the gap when the limits of your home or auto insurance policy run out.

What is Umbrella Insurance?

Umbrella insurance is an extra layer of protection that can help shield you from certain significant financial losses.

It kicks in when you’ve reached the limit on your regular homeowners or auto policy, providing additional coverage up to a specified amount.

Umbrella insurance can help give you peace of mind, knowing you have extra protection if something unexpected happens.

Why Do I Need Umbrella Insurance?

You might think your regular homeowners or auto policy provides enough coverage, but consider this — what happens if you are sued for damages for an accident that was your fault?

You could be on the hook for the rest of the damages exceeding your policy limit. However, umbrella insurance can help fill the gap, providing additional protection against certain lawsuits and other financial losses.

How Much Umbrella Insurance Do I Need?

The amount of umbrella insurance you need is based on several factors, including your assets and income.

You’ll want to ensure you have enough coverage to protect your assets against lawsuits for damages that exceed your regular policy limits.

Umbrella insurance can provide coverage for the following:

  • Injuries caused by you or members of your household
  • Certain lawsuits
  • Property damage caused by you or members of your household

Some umbrella policies, such as identity theft and personal property, offer additional protection.

Talk to an insurance agent at Armorest Insurance Services in El Centro, CA, to determine how much umbrella insurance is right for you!

Differences Between Homeowners and Renters Insurance

Armorcrest Insurance Services in El Centro, CA specializes in homeowners and rental insurance.  The California Department of Insurance offers many services.  For instance, there is a section on Homeowners’ Studies which included an article on Underwriting Guidelines and Access to Homeowners Insurance.   

Homeowners and rental insurance serve the needs of the public to protect their residences and personal property to provide for a safe environment.  Armorcrest Insurance Services clients chose these insurances at various points in their lives. Typically, young married couples want to have their children in a new home after leaving their apartment while seniors start their new lives in retirement in a rental.

There are essential differences between homeowners and rental insurance.  It is reported that renters insurance is carried typically by less than fifty percent of all renters.  However, since most homes are financed the financial institution protects their interests and the homeowners by requiring insurance.  It is not unusual for landlords to need their tenants to cover the loss of personal property by purchasing their rental insurance.  This, of course, should reduce the cost of the building owner’s insurance premium.


  • Homeowner’s insurance Insures the home’s structure including other buildings on the homeowner’s property, subject to any exclusions and the type of claims made.
  • The owner of the rental is responsible for insuring the building from fire or flooding that may damage the renter’s property.  If the renter causes any harm to its property, the renter’s liability insurance pays for the loss of personal property.  Typically the landlord requires its renters to purchase rental insurance.
  • Homeowner’s insurance costs more than renter’s insurance.
  • Exclusions

There are similar exclusions for both insurance policies such as earthquakes and floods.

The agents of Armorcrest Insurance Services, El Centro, CA, can advise you on all your insurance needs.  Please call!