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Personal Umbrella Insurance in Santa Rosa and Windsor, CA

If you’ve ever found yourself caught in the rain, an umbrella can shield you from the elements and offer an added layer of protection. The same can be said for insurance. Coverage above and beyond standard home and auto insurance offers the policyholder an extra line of defense against costly liability claims. At Brenk & Company, we routinely provide personal umbrella insurance to clients in Santa Rosa, Windsor, Rohnert Park, San Francisco, and the surrounding areas.

Exceeding Standard Liability Limits

Although optional, personal umbrella coverage provides liability protection far beyond what is offered by home and auto insurance.  When personal liability limits are reached, umbrella insurance kicks in for added security in the wake of costly incidents. We typically offer policies from $1 million to $5 million, but can reach limits of up to $10 million.


Personal umbrella insurance can be applied to events such as:

  • Car accidents
  • Accidental injuries on your property
  • Accidents involving boats and other recreational vehicles
  • Defense fees and other legal costs
  • Personal injury coverage for claims of libel, slander and more


Once we have determined appropriate limits, we turn to carriers such as Nationwide, Kemper, and Hartford for the best and most affordable policy. To get started, request a quote.


Don’t Get Caught Without an Umbrella

When matching a client with personal umbrella coverage, we take the time to fully understand their individual needs and risks. We educate our clients on liability limits, and depending on our client’s assets and if they own a home, we make appropriate recommendations on coverage levels.


Once we have a policy in place. We conduct periodic reviews to keep it up to date. Please contact us to learn more about our products and services.

Additional Resources

California Department of Insurance

Insurance Buyer’s Guides (The National Association of Insurance Commissioners (NAIC))

Small Business Insurance Details and Resources (The U.S. Small Business Administration (SBA))

Brenk & Company Insurance Services, Inc

4853 Old Redwood Hwy

Santa Rosa, CA 95403

Main office: 707-526-1195
Fax: 707-541-6917

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.