American River Insurance Agency LLC
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  • Home
  • Insurance
    • Vehicles >
      • Auto Insurance
      • Motorcycle Insurance
      • RV Insurance
      • Boat/Yacht Insurance
      • ATV Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Renters Insurance
      • Landlords Insurance
      • Manufactured/Mobile Home Insurance
      • Personal Articles Floater Insurance
      • Vacation Rental Insurance
      • Earthquake Insurance
      • Flood Insurance
    • Umbrella Insurance
    • Business >
      • Business Insurance
      • Commercial Auto Insurance
      • Workers Compensation
      • Contractors Insurance
      • Insurance Bonds
    • Special Event >
      • Event Insurance
      • Wedding Insurance
    • Pet Insurance
    • Health & Life >
      • Health Insurance
      • Life Insurance
  • Service
    • Report a Claim
    • Make a Payment
    • Contact My Carrier
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Accessibility Statement
    • Insurance Carriers
    • Agency Photo Gallery
    • Agency Fur Family


Umbrella Insurance

Umbrella insurance offers the ultimate peace of mind. Eliminate the gaps and insufficient limits on all your policies. You'll be amazed at how affordable coverage can be.

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What is Umbrella Insurance?

Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.

When an insured is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy up to the limit of the umbrella policy.

Common Situations Protected by Umbrella Insurance:

  • Motor vehicle accidents with excessive physical damage, bodily injuries, or death.
  • Slip and fall accidents on your property.
  • Boating Accidents.
  • Swimming Pool Accidents.
  • Physical damage or bodily injury caused by your dog.
  • Slander, libel, and defamation lawsuits.
  • Judgments that exceed the limits of your auto or home policies.

Contact us to learn more about the right umbrella insurance for you.
(888) 570-1058
333 University Ave
Suite 200
Sacramento, CA 95825​​
Click Here to Email Us
Umbrella Insurance Quote
Get a quote for umbrella liability insurance
Licensed in California, Oregon, Arizona, and Washington!

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American River Insurance Agency
333 University Ave
Suite 200
Sacramento, CA 95825​
(888) 570-1058
Click Here to Email Us

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