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Extra Liability Coverage for Life’s What-Ifs
Umbrella Insurance in San Diego & Chula Vista
If a claim exceeds your home, auto, or boat insurance limits, Umbrella Insurance helps cover the rest — so you’re not paying out of pocket when it matters most. Preferred Property & Casualty brings 25+ years of experience helping California families get added protection at an affordable price.
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What’s Covered
Affordable Peace of Mind for California Policyholders
Excess Liability Protection
Adds coverage beyond the limits of your home, auto, or other personal liability policies.
Coverage for Large Legal Claims
Helps pay for legal defense, court judgments, and settlement costs after a serious accident or injury.
Extended Coverage Across Policies
Works in tandem with your other policies — including auto, homeowners, rental property, and watercraft.
Family & Household Coverage
May extend protection to other members of your household — we’ll help you confirm who’s included.
Built for Households with More to Protect
Smart Coverage for High-Impact Scenarios
From major auto accidents to personal injury lawsuits, umbrella insurance is designed for low-frequency, high-cost risks.
Protection That Fills the Gaps
Even strong insurance plans have limits. Umbrella insurance helps protect your savings, assets, and future income from large liability claims.
Local Advisors. Clear Answers. Flexible Limits.
We’ll help you choose the right coverage amount and make sure it aligns with your primary policies.
Common Questions
When does umbrella insurance kick in?
Only after your primary policy (home, auto, etc.) pays out in full. Umbrella covers the remaining costs, up to its limit.
Is it expensive?
Not usually. Because it only activates after other policies, umbrella insurance is often surprisingly affordable for the amount of coverage it provides.
Do I really need it?
If you own property, have savings, or could be at risk of a lawsuit, umbrella insurance is worth considering for extra protection.
Let’s Get You Covered
We make umbrella insurance simple, flexible, and tailored to your life — so you can feel confident no matter what comes your way.
Based in San Diego and proudly serving clients throughout Chula Vista and across California. We’re also licensed to support clients in Oregon and Washington.
