SIgn up below to receive our monthly "Full Covereage" newsletter.


"I just wanted to express, how very pleased I have been with all of you and your company throughout the years. All of your services provided to me were done very timely and professional. If I had any questions at all, one of you got back to me immediately. The customer service has been exquisite and I want to thank, every one of you, for your wonderful care. I realize that you sometimes had to go the extra mile for me and you certainly did it with a smile, courtesy and kindness. Your customer service has been impeccable. Thank you for being such a wonderful Insurance group and a fantastic team. "



"I recently signed up for new auto, homeowners and umbrella policies with Shepard Insurance. They offered the most competitive rates while at the same time supplying the best customer service I’ve ever received."
Westlake Village, CA


« return to Article Archive

Say you do decide to dial and drive. And say you cause a multi-car accident because you weren't paying attention. And say the damages and injuries exceed the limits of your auto insurance policy. What happens next?

Those other drivers might have a lien put on your house to cover their medical bills. Or, if you have an umbrella insurance policy, it kicks in and covers the additional costs.
Umbrella insurance protects you when the limits of your auto or home insurance have been exhausted and there are still damages to pay. So, if the liability limit on your car insurance policy is $250,000 of bodily injury protection per person and $500,000 per accident, but the other drivers have $750,000 in medical bills, your umbrella coverage pays the remaining $250,000. It works the same with homeowners' coverage.

Umbrella policies are available in differing amounts, so be sure to select coverage sufficient to protect your assets. If you have $1 million of assets (home, stocks, other investments) you should obtain at least a $1 million umbrella policy to protect those assets.

Because the majority of claim risk is paid by your primary auto or home policies, personal liability umbrellas are relatively inexpensive. Quotes are free, so it will be worth your while to call us at either (818) 508-9925 or (661) 295-4624 to ask about umbrella insurance. Just don't do it from the car (or if you do, use a hands-free device).