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Umbrella Coverage

Extra liability protection for peace of mind

A standard insurance policy only covers so much. When accidents exceed your limits, umbrella insurance steps in. At Narvaez Insurance Services, we offer affordable umbrella insurance to protect your home, business, and financial future. Whether you’re facing a major lawsuit or unexpected costs, we help you stay covered.

Coverage beyond your basic policies

Lawsuits, medical claims, and property damages can cost more than your standard policy covers. With umbrella insurance in Napa, Sonoma, and Solano, you get extra protection beyond your auto, home, or business insurance. Our experts help you find affordable, high-limit coverage so you’re prepared for anything.

What is included?

Get extended protection with:

  • Increased liability limits – Covers claims beyond your existing home, auto, or business policies.
  • Legal defense costs – Pays for attorneys, court fees, and settlements in covered lawsuits.
  • Coverage for personal lawsuits – Protects against defamation, libel, and false arrest claims.
  • Additional asset protection – Shields your savings, home, and future income from legal claims.
Answers to your coverage questions

Understanding umbrella insurance

  • Who needs umbrella insurance?

    Anyone with significant assets, a business, rental properties, or high-risk activities can benefit. If a lawsuit exceeds your standard insurance limits, an umbrella policy protects your home, savings, and future earnings from financial loss.

  • Does umbrella insurance cover business liability?

    Yes, but it depends on your policy. If you own a business in Solano or Sonoma, you may need a separate commercial umbrella policy for additional business liability protection beyond standard coverage.

  • How much umbrella insurance should I have?

    Most policies start at $1 million in coverage, but higher limits may be needed for contractors, business owners, or high-net-worth individuals. We can help you find the right amount for your specific situation.

  • Is umbrella insurance expensive?

    Compared to the coverage it provides, umbrella insurance is very affordable. Adding extra liability protection costs less than you think, especially when bundled with home insurance in Sonoma or auto insurance in Napa.

  • How do I add umbrella insurance to my policy?

    You can easily add umbrella coverage to your existing policies. Contact us today to discuss affordable umbrella insurance rates and ensure your family, business, and assets are fully protected.

Ready for extra protection?

Lawsuits and unexpected claims can happen to anyone. With an umbrella insurance policy, you get high-limit protection that safeguards your assets and gives you peace of mind. Call us today for a free quote and expert guidance on umbrella insurance in Napa, Sonoma, and Solano.

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