umbrella policy

"Arkansas, Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana, Missouri, New Jersey, New Mexico, Nevada, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, Wisconsin"

Read What Our Satisfied
Customers Are Saying!

★★★★★"...beginning of a long relationship between us..."
My wife June and I would like to express our sincere appreciation to Jennifer for an excellent job that she did for us. She found solutions to our needs, not only saving us money but also found us better policies. Jennifer is very courteous, knowledgeable, professional and reliable. Her customer service is second to none. She is always calm under pressure. We tried to do eight policies all at once with one fairly complex policy. She tried many options to come up with the best solution for each property. We believe she got us a very good package. We trust that this is just the beginning of a long relationship between us and your company."
Glang Dao - Milpitas, CA

★★★★★I also like the extra features...
"Orlando's entire staff went above what I expected, not only did they give me great rates but as a consumer I feel better educated about my insurance. I know what the coverage's mean because they took the time to explain it to me. I also like the extra features of being with RIS, like the newsletter and Referral Program. This year I am going to win the GRAND PRIZE!"
Kim & Dave Evange - West Palm Beach, FL

★★★★★Saved $3000 in cash money...
Thanks for the opportunity to say how much I appreciate the good service I receive from Orlando's staff. I've had my auto and homeowners insurance with your firm since I moved here to Danville, and am happy that I found you. I'm also happy I made the change from my old carrier to Rogers Insurance. Saved $3000 in cash money and have better coverage. Keep up the excellent work. I know you're looking out for me!"
The Valderrama Family - Danville, CA

★★★★★...I highly recommend them
"What a great experience! It was easy to reach them on the phone and everyone was very polite and my calls were returned in a timely manner. I appreciate them going over the information and making it easy to understand. Rogers Insurance has great service and I highly recommend them!"
Corinne Caen - San Rafael, CA

★★★★★We have been insured for our auto, home, and umbrella insurance by Orlando and his outstanding staff. They were able to save us money and give us much better coverage than we had before."
Larry Bink - Pleasanton, CA

★★★★★"With the assistance of Orlando and Jakki at Rogers Insurance we were able to receive broader coverage at a lower cost, saving us 15% per year. We would not hesitate recommending RIS Direct to our friends!"
Patty Kephart - Malibu, CA

★★★★★"It has been a pleasure working with Rich Dean for all my insurance needs. It is so nice of him to always leave messages on my telephone to keep me up to regarding my policy. This has been the first time I have ever had such a personal relationship with an insurance company. Lori is the best!"
Irene Bargovan - Castro Valley, CA

★★★★★"It has been a pleasure working with Rich Dean for all my insurance needs. It is so nice of him to always leave messages on my telephone to keep me up to regarding my policy. This has been the first time I have ever had such a personal relationship with an insurance company. Lori is the best!"
Irene Bargovan - Castro Valley, CA

★★★★★How good? "Awesome" good!
"Veronica is always great with us, which is very important to us. She always provides awesome customer service!
Steve Legras - Sacramento, CA

★★★★★They did what other agents couldn't do!
"Orlando and his staff have done an excellent job with our insurance program. They are always looking out for our best interests. For example, because of some health conditions, getting more life insurance was a problem for me, and Orlando made a suggestion that allowed me to secure permanent life insurance. I would recommend them highly!"
Jim Reese - San Diego, CA

Saved OVER $900!
★★★★★"Rogers Insurance saved me over $900 a year on my car and home insurance. More importantly, I know I can count on them when I need help."
Sam Modesitt - Lake Tahoe, CA

★★★★★ Newport Beach Woman says Rogers has it all!
"I have always appreciated the timely service we get from Veronica and all the staff at Rogers Insurance. And the fact we're able to save money and get better protection is the icing on the cake!"
Patty Carter - Newport Beach, CA

★★★★★Auto, home, life...Visalia man recommends get it all here!
"Gary Harner is a miracle worker! Even though I have a less than perfect driving record and drive more than 20,000 miles per year, Gary was able to find a top-rated company to insure me - and it fit my budget! Thanks Gary - I will highly recommend you and the rest of the Rogers Insurance staff for all auto, home and life insurance needs!"
Mat Joslin - Walnut Creek, CA

★★★★★One word describes it: "amazing!"
"Our family has been given excellent service by Rogers Insurance. Through Gary of Rogers Insurance's office, we were able to obtain the coverage we needed at reasonable rates with professional, organized and prompt service. When we had a claim, Lori was available when we needed her and our claim was resolved amazingly easily. We highly recommend Rogers Insurance."
Thomas and Ann Broderson - El Cerrito, CA

★★★★★You were worth changing for!
"I decided to make a change in my insurance. A friend gave me your name. I called Gary. He was great. I insured my car and home. I have been well pleased."
Mary Lee Mitchell, Beverly Hills

★★★★★Loyal for years! Recommends to "everyone!"
"We have done business with Rogers Insurance for many years and have always been more than happy with the way we're treated by all of their people. Veronica is great to work with and I recommend them to everyone."
Gary and Linda Owens - Hillsborough, CA

★★★★★14 years and lovin' it!
"Thanks for the opportunity to say how much I appreciate the good service I receive from Orlando staff. I've had my auto and homeowners insurance with your firm since I moved here from New York, 14 years ago, and am happy that I found you. I'm also happy I made the change from State Farm to Rogers Insurance. Saved money and have better coverage. Keep up the excellent work. I know you're looking out for me!"
Janet Allen - Santa Rosa, CA

★★★★★...knowing we are in good hands
"We are so happy with the service provided by Rogers Insurance. We have ALWAYS received prompt and courteous service from the entire staff. They have been dedicated to finding the lowest cost insurance for us AND ensuring we continue to hold the most suitable coverages for our protection. Veronica has been a wonderful person to work with and, best of all, she has made us feel comfortable knowing we are in good hands. Veronica has been wonderful to us in taking the time to deal with our concerns and questions. We truly feel as if she understands our needs and she has taken the time needed to help us understand what is best for us. Thank you to Veronica and to Rogers Insurance!"
Brian and Jody Adney - Half Moon Bay, CA

★★★★★"RIS saved us $1502 on my liability renewal and 31% on our worker's comp. The service is super!"
Mark and Kristi Spacato - Oceanside, CA

★★★★★"RIS handles all of our insurance needs, personal and business. They have many different companies for us to choose from, we are very satisfied."
Sam and Wendy McClendon - Beverly Hills, CA

★★★★★"Your service is the best all the way around, from your polite and helpful staff to your prompt and professional service. Thank you!"
Chris and Julie Simmond - Santa Barbara, CA

 ★★★★★"I've been dealing with Orlando since 1991. I refer all of my business & personal associates to Rogers Insurance. Their staff is the best in the valley."
Terry and Judy Strom - Dublin, CA

★★★★★"The staff at Rogers Insurance is the only insurance company I feel comfortable with. They give great services and great insurance pricing."
Ralph and Susan Hernandez - Riverside, CA

★★★★★"I know I can count on the RIS team to always keep our insurance needs first. That's why I always send my friends and family to them."
Peter and Gayle Stropey - Newport Beach, CA

★★★★★"I just love getting the free reports from your website ( They are so incredibly informative and they saved me money too!"
Anthony and Teresa Spica - Danville, CA

★★★★★"Thanks for everything, you were incredibly helpful."
Scott Dreisbach - former Oakland RAIDER QB

 ★★★★★"I have been offered insurance by two different competitors, but have elected to remain with Rogers Insurance because my relationship with them has ALWAYS been wonderful. I believe that staying with what is tried and true is worth more to me than going with a company who claims they're better."
John McDaniel - Castro Valley, CA

★★★★★"I know I can count on the RIS team to always keep our insurance needs first. That's why I always send my friends and family to them."
Peter and Gayle Stropey
Newport Beach

★★★★★"You have helped me protect my family and my possessions. THANK YOU!"
Joseph Granada - Castro Valley, CA

★★★★★"Your staff is knowledgeable, friendly and helpful - basically they are EXCEPTIONAL."
Brian Hawrylak, Pleasanton

★★★★★"Rogers has exceptional customer service and can help with anything!"
Kenneth Cross - Hayward, CA

Click Link above to get a FREE and FAST California auto quote. We represent several carriers and we can save you money!

Click Link above to obtain a California homeowners quote. We can help you with your escrow closing, and we can issue policies the SAME DAY!

Click Link above to obtain a California homeowners quote. We can help you with your escrow closing, and we can issue policies the SAME DAY!

Service to Your Account
Learn More About Our Agency
Customer Testimonials
Protecting Your Privacy
Office Map/Driving Directions

10 Reasons Why You Should Use The Services of RIS Direct!

1. We offer a complete "Satisfaction Guarantee" to every customer!

2. The best coverage at the lowest price.

3. Quick phone quotes for most products.

4. Convenient payment option offered on most policies.

5. Internet quotes returned within 24 business hours.

6. We have the complete personal insurance solution offering auto, home, and umbrella protection on every account.

7. Rates are shopped exclusively for you based on your unique insurance need.

8. Huge discounts on ALL insurance products!

9. Our experience allows us to match you with the program(s) best meets your needs.

10. We have been saving our customers money on insurance since 1994.

© 2008 Rogers Insurance

What is an umbrella insurance policy?

An umbrella policy is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways:
  • Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. This protection is designed to kick in when the liability on these other policies has been exhausted.
  • Provides coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and liability coverage on rental units you own.
RISDirect is the leading online umbrella insurance policy leader. Click the link below for your instant quote!

Save up to 37 % or more on umbrella insurance.

Quick Online Quote!

Click Here for an Quick Online Quote

Click Here for a free Umbrella Report (pdf)

what is an umbrella policyQuick Online Quote (click coverage at left), or Call us toll free for a FAST Phone Quote:
umbrella insurance policy

Click Here to obtain our FREE Money-Saving Insurance Reports NOW!
personal umbrella policy

umbrella policy cost
Our special programs include the following:

insurance umbrella policyAutomobile Insurance
We specialize in auto insurance at RIS Direct. Whether you are a good driver, or a driver who has had some unlucky points or accidents, we have the markets and rates for you. Rates start at only $186.00 per six months, and if you put both your auto and homeowners insurance with us, you can receive up discounts up to 30%.
Get a Quote Now!

commercial umbrella policyHomeowners Insurance
our New Home discounts are among the highest in California - sometimes up to 40% lower than most carriers. Also, if you have just purchased a home and need a policy FAST to close escrow, we can issue policies and evidence of insurance the SAME DAY. Rates start at only $350.00 per year.
Get a Quote Now!

umbrella insurance policy ratesPersonal Umbrella Insurance Plans
Make sure that your assets are protected and your loved ones are cared for and protected from all potential financial hardship. Personal Umbrella programs offer additional liability coverage for $1 Million or more above your home and auto insurance. Most clients are able to purchase an umbrella policy for close to $200.00 per year!
Get a Quote Now!

umbrella insurance policy rates

umbrella insurance policy ratesRIS Direct was founded on the belief that customers deserve not only professional and courteous service, but also the lowest California insurance rates possible. And every one of our products comes with a 100% satisfaction guarantee.

To learn more about our agency and staff, feel free to click our About Us Page, and click the link following for Office Directions or a Map.

I'm Orlando Frasca, CEO of RIS Direct, Inc. I invite you to use our insurance resources. Request a free quote. Call us with questions. I have made it our goal to find you the BEST PRICES on California Insurance, and to make the process of buying your Insurance EASY.

We also provide you with many infomative FREE REPORTS so you can make informed insurance decisions. This is another way we can help you realize the value of doing business with RIS Direct.

With over a decade of experience placing insurance for California residents and business, I know you'll find our service and pricing second to none. Find out more about us and give us a call. We'll make you another satisfied member of our insurance family.

Umbrella Insurance

Today, lawsuits are everywhere. Lawyers are awarding larger amounts of money than ever. Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.
Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection. This protection is designed to "kick-in" when the liability on other current policies has been exhausted.
Liability insurance is the portion of a homeowners or auto policy that pays for expenses such as the injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person. The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical expenses for the injured and the legal fees of the negligent person, the standard liability in one's homeowners or auto policy is often not enough. Almost every state has financial responsibility laws that will hold drivers accountable for bodily injury and property damage resulting from car accidents and the at fault driver could be sued for the damage. Personal assets from the at fault driver could be seized resulting from a lawsuit. Similar laws are also in force for home and watercraft owners.
There is good news. A personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one's non-business activities anywhere in the world. Having the added protection of a liability umbrella policy is coverage no one should go without.
Umbrella insurance can give you additional liability protection above and beyond your current insurance. Below is a list of questions typically asked and information you will need to gather in order to complete an umbrella insurance quote with your chosen insurance agent. If you have not yet read Why Every Policyholder Needs Umbrella Insurance you will want to do that first to determine your need for umbrella insurance.

Information You Will Need When Purchasing an Umbrella Policy:

  • First Name, Birth Date, Sex, Marital Status, Years Licensed, State Licensed, and Occupation of all drivers in your household.
  • Violation and Accident information for the last 5 years of all drivers in your household.
  • All the property you own including: Home, Auto, Watercraft, Recreational Vehicles (RV's), Rental Units, Land, and Motorcycles.
  • Information about your current insurance company including: Expiration Dates and Losses and Claims in the past 5 years.
  • The liability limit you are requesting which is typically 1-5 million.

Questions Typically Asked by the Insurance Agent When Purchasing an Umbrella Policy:

  • Besides your auto, do you own any other motorized vehicles like motorcycles or mopeds?
  • Do any drivers in your household have mental or physical impairments?
  • Are you in the farming business?
  • Do you have any employees at your residence?
  • Are you caring for any property that is not your own and it exceeds $1,000?
  • Are there any business activities conducted at your home or in any property that you own?
  • Do you have any non-owned business or professional endorsements on your current insurance policies?
  • Do any of your current insurance policies have reduced liability limits or exclude coverage for specific events?
  • Within the last 5 years, have you been denied insurance coverage or been canceled or not renewed?
  • Are there any drivers on your current insurance policies under the age of 25?
  • Do you own, lease, or charter an aircraft?
  • Do you use your property, vehicles, watercraft, or aircraft for business?
  • Do you have any vehicles, watercraft, aircraft, or property that is owned, hired, leased or used on a regular basis that is not covered by insurance?

Umbrella insurance refers to a liability insurance policy that protects the assets and future income of the policyholder above and beyond the standard limits on their primary policies. Umbrella Insurance is distinguished from excess insurance in that excess coverage goes into effect only when all underlying policies are totally exhausted, while umbrella is able to "drop down" to fill coverage gaps in underlying policies. Therefore, an umbrella policy can become the primary policy "on the risk" in certain situations. The term "umbrella" refers to how the policy shields the insured's assets more broadly than primary coverage.
Typically, an umbrella insurance policy is pure liability coverage over and above the coverage afforded by the regular policy, and is sold in increments of one million dollars. The term "umbrella" is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies. For example, if the insured carries an auto insurance policy with liability limits of $500,000 and a homeowners insurance policy with a limit of $300,000, then with a million dollar umbrella, the insured's limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim.
Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner's, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies. These may include, but are not limited to:

  • False arrest
  • Libel
  • Slander
  • Invasion of privacy

Umbrella Insurance

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by’s vendors of  personal umbrella liability insurance.
What's Peace of Mind Worth to You?
An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you're covered.
Do You Have Enough Liability Insurance?
Imagine if your dog were to bite a neighbor's child. Or if there's an accident on your rental property. Or a fire in your condo spreads to other units. What would happen if you or a family member missed a stop sign and struck and killed a pedestrian? If any of these things happened to you, there's a good chance your current liability limits wouldn't be adequate to protect your assets—or your future earnings.
Lawsuits Are Not Limited to Your Net Worth
A lot of factors determine the amount of coverage you need. Your financial status, lifestyle, and existing coverage are all relevant, but in liability lawsuits, judgements can exceed net worth. Talk to your Safeco agent to determine what's right for you.
You May Already Qualify
To qualify for our umbrella insurance coverage, you must carry auto insurance with specified liability limits. Your home insurance, condo insurance or renter’s insurance policy must also include certain limits of liability coverage. The same applies if you own an RV, Boat or other types of watercraft.  Other conditions may apply.
Liability Insurance Starts When the Others Stop
Once the liability limits are exhausted on your home, auto, or other policy your Umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits are available.
Broad Coverages
An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you but your spouse and all family members living in your household anywhere in the world. Legal defense fees are also paid.
Savings to You
Considering the extra security and protection it provides, personal umbrella liability insurance is surprisingly reasonable. The average cost is just pennies a day.
How an umbrella policy works
An umbrella policy provides an additional layer of liability protection that can be used with any underlying policy or a policy from another insurance company, including boat, motorcycle, all-terrain vehicle and snowmobile. It kicks in when the underlying or primary policy doesn't provide sufficient liability protection.
A $1 million Umbrella policy, in most cases, is less than $200 for an annual policy.
Who could benefit from an umbrella policy?
Customers who:

  • Drive a car or let someone else use their car
  • Host dinner parties or other gatherings
  • Participate in carpools or other group activities
  • Own a home, rental properties or multiple residences
  • Have young drivers in their household
What instances use an umbrella policy?
Nearly 85% of payments on umbrella claims are related to auto accidents, and over the past 12 months, 30% of those claims involved a pedestrian, motorcycle or bicycle. Below are a few examples of recent claims, all of which required a payout of more than $1 million. That's much higher than any auto policy limits, so consider an amount of coverage that might be right for you.
  • Customer hit gas instead of brake by mistake and ran through the front of a restaurant, seriously injuring several people.
  • Customer didn't see a motorcycle and pulled out, causing the motorcyclist to hit the side of the customer's car.
  • Customer's car went off the road. The driver overcorrected, causing the vehicle to roll multiple times.
  • Customer's son was allegedly driving under the influence and hit a bicyclist.
  • Customer accidentally set a fire in his apartment which spread to other units.
What makes Rogers Insurance Umbrella Insurance Division a great choice for you?
  • Customers can select from $1 million to $20 million or more in additional liability coverage.
  • We have carriers that offer a "true" umbrella policy while many other carriers only offer an "excess" umbrella product. This means certain carriers may cover other losses that otherwise would not be paid at all such as an auto accident in another country or libel or slander.
  • Some of our umbrella products are open peril, so if it's not specifically excluded, then it's covered!
  • Customers may be eligible for a discount on their homeowners policy and/or auto policies

Rogers Insurance Services, Inc.

156 Diablo Road, #210
Danville, CA 94526
Phone: 925-365-3200 / Fax: 925-226-1422
E-Mail us at:
California License # 0C94234