Irvine has 311,690 residents in 112,091 households. We list 32 agencies for umbrella insurance in Irvine. Here is what the local numbers say about the cover people here need.

Irvine at a glance

32umbrella insurance agencies listed
55.5%of households rentRenters insurance
$1,191,500median home valueHome insurance
2002median year homes were builtRebuild cost calculator
5.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Orange County

FEMA rates the overall natural hazard risk in Orange County, where most Irvine agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

EarthquakeVery High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Irvine
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in California

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Irvine How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies Irvine agencies work with

Of the 32 Irvine agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Liberty Mutual25 agencies
Safeco20 agencies
Travelers20 agencies
Liberty Mutual (Safeco)17 agencies
Travelers (Standard Fire)15 agencies
The Hartford14 agencies
AmTrust11 agencies
Chubb11 agencies
Employers9 agencies
Mercury9 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Irvine agencies are

Irvine agencies we list sit in 7 ZIP codes, mostly in Orange County.

9261812 agencies
926127 agencies
926146 agencies
926064 agencies
926041 agency
926161 agency
926201 agency

Questions

Umbrella insurance in Irvine

All insurance agencies in Irvine · Umbrella insurance across California

Where can I find umbrella insurance in Irvine?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Which insurance companies do Irvine agencies work with?

Among the 32 Irvine agencies whose appointments we hold, the companies they are most often appointed with are Liberty Mutual (25), Safeco (20), Travelers (20), Liberty Mutual (Safeco) (17), Travelers (Standard Fire) (15). An appointed agency can quote that company's policies.

Do I need flood insurance in Irvine?

FEMA's National Risk Index rates inland flooding risk in Orange County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Umbrella insurance near Irvine

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