Personal Umbrella Insurance

Extra Liability Protection with a Personal Umbrella Policy

If you were hit with a lawsuit tomorrow, would your home or auto insurance be enough to cover it? For many Los Angeles families, the answer is no—which is where personal umbrella insurance in California comes in. This policy adds an extra layer of liability protection beyond your home, auto, or boat insurance limits—helping protect your finances, future earnings, and peace of mind.



At Derian Insurance, we help individuals and families across LA and the surrounding area add this critical protection—often for less than you'd expect.

A couple walks in a park, sharing an umbrella, holding coffee, smiling.

Why You Might Need More Than Standard Coverage

A personal umbrella kicks in when the liability limits on your underlying policies are maxed out. This can be especially important if:

Black silhouette of a house with a shield containing a checkmark, symbolizing home security.

You own property or have other valuable assets

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You have teen drivers on your auto policy

Black house icon with a key in a circle next to the door.

You host guests at your home or rent out part of your property

Black and white icon of a pool with a ladder.

You own a pool, trampoline, or dog (common liability triggers)

Two black speech bubbles, one with a white hashtag symbol.

You post content online or are active on social media (potential libel/slander claims)

Los Angeles courts are no stranger to large settlement demands. If someone sues you after an accident—whether on the road or at your home—an umbrella policy can help protect everything you've worked for.

An umbrella icon.

How a Personal Umbrella Works

A personal umbrella policy provides excess liability coverage above the limits of your:


  • Homeowners Insurance
  • Auto Insurance
  • Boat or Watercraft Insurance
  • Landlord Insurance (for rental properties)

It typically starts at $1 million in coverage and goes up in increments from there. In some cases, umbrella policies can also cover personal injury claims like libel or slander that aren’t always included in base policies.

Why Derian for Umbrella Liability Insurance

We don’t sell you on something you don’t need—we’ll walk through your asset profile, lifestyle, and risks to determine if a personal umbrella makes sense, and if so, how much coverage is appropriate. Because we work with multiple carriers, we’ll find the right match—especially important for high-net-worth clients or households with added risk factors.



In most cases, adding a personal umbrella policy costs less than expected—especially considering how much coverage you gain.

Common Questions About Umbrella Policies

  • Do I need a personal umbrella if I already have home and auto insurance?

    If your total assets or income potential exceed your liability limits, yes—an umbrella can provide essential protection.

  • What limits do I need on my home or auto to qualify for an umbrella?

    Most insurers require you to carry a minimum amount—typically $250,000 in auto liability and $300,000 on your home policy. We’ll help make sure you’re eligible.

  • Will an umbrella policy cover things not covered by my base policies?

    Sometimes, yes. For example, many umbrella policies extend to libel, slander, or false arrest—claims your home or auto insurance likely won’t touch.

  • Can I get umbrella insurance if I have teenage drivers or rental property?

    Yes—and we recommend it. These are both common risk exposures that make umbrella coverage even more valuable.

Add Serious Protection for a Modest Price

You don’t have to be a millionaire to be sued like one. Whether you're in Brentwood, Burbank, or anywhere in the greater Los Angeles area, we can help you assess whether a California umbrella policy fits your needs—and find the best value for your protection.


Contact Derian Insurance today to get a quote for personal umbrella insurance.