Added Protection
Umbrella insurance provides an extra layer of liability protection beyond your standard home or auto policy. It helps protect your savings, assets, and future from costly claims or legal expenses.
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Why It Matters
Umbrella insurance adds an extra layer of protection when standard policies reach their limits. It steps in during severe accidents, lawsuits, or high-cost claims, safeguarding your savings, income, and long-term financial security.
Our Solutions
Strengthen your protection with coverage built for real-life risks. From property to liability and disaster protection, these options safeguard what matters most at home and beyond.
Protects your vehicle and finances from accidents, damage, theft, and liability.
Protects your home and belongings from damage, theft, or unexpected loss.
Client Testimonials
Our clients highlight the value of our insurance solutions, showing how we deliver dependable protection and service across many personal and business needs.
Share your experience with Panorama. Your story helps others see the value of our service and encourages them to trust us with their needs.
Consistent and Dependable
Tim and his staff are my auto insurance broker and have been for over 30 years. We have two sons and both were covered in our policy up until recently when my oldest moved to Italy. We have had quite a few claims having hit a deer and totaled the Sedona, my youngest drove off hillside with the Jeep taking out neighbors deck support posts and hitting house, also a fender bender with his 4 Runner. Tim has always been honest, straight forward, and timely with all our needs. We have had Mercury this entire time, he has kept us updated with any discounts(teacher) and changes that we should be aware off. He is and has been a great communicator, efficient, and friendly, a good man. I highly recommend him.
JV
Joe Vitti
Long-Term Client
Resolving Complex Issues
This insurance agency is unique in that they go beyond the normal expectations. They have that small company endeavor but with large company results. I was very pleased with the way they handled my problem.
I am a landlord and as such needed help with a tenant and their dog which is classified as a companion dog used for emotional distress, however our signed contract forbids animals. With the help of Panorama Insurance Agency I was able to resolve the issue to the satisfaction of both the tenants and myself. They did the research for me! I highly recommend this agency.
RH
Robert Hernandez
Property Owner
Responsive and Courteous
I had an excellent experience with Tim Wong and Panorama Insurance. They helped me find homeowner's insurance coverage for a new home in the hills of L.A. that's a wildfire zone. None of the carriers wanted to write the business, so Tim secured the coverage through the CA plan and also a Difference in Conditions policy to ensure I had adequate liability coverage. He and his team adjusted coverages to find savings for me as well. They were responsive and courteous at all times, and made the home purchase process easier and more enjoyable. Highly recommended!
AL
Andrew Lloyd
Grateful Homeowner
Dependable Insurance Agent
Brent @ Panorama is the most available and dependable insurance agent I've ever had. I use Brent for my family account, and also take care of all the communication for my parents account as well - even though we're the same kin, our two different households have totally different requirements in terms of insurance. Brent is always willing to dive into specifics about policies and present alternatives when our situation changes or when a better plan is available. It's great to know that both the insurances for my home and car are just taken care of meddling on my part.
RJ
Roshan J
Loyal Returning Client
Went Above Expectations
I recently had the pleasure of working with Panorama Insurance Agency, specifically Brent Garriepy, to insure my new home and switch our auto insurance policy. Brent went above expectations with explaining the policies, what they cover and what they do not cover. We quickly found a policy that worked well for our new investment and it was very competitively priced. The choice was clear for my family. I highly recommend Panorama Insurance Agency. Give them a call and see what they can do for your family!
PS
Paul Schwappach
Home and Auto Client
Saved Us over a Hundred Dollars a Month!
Brent saved us over a hundred dollars a MONTH! across all our policies (auto/home/earthquake/umbrella) and even got us better coverages across the board. Wished I’d contacted Brent earlier in my insurance quote process. I did the internet search and got spammed with useless quotes as well as talked to half a dozen other highly rated agents. None could even come close to the level of service that Brent provided. Stop your internet search now and call Brent.
LT
Leland Treebs
Value-Seeking Client
Quick Help
Find clear answers about umbrella insurance, from coverage limits to claim handling. Understand how this added protection keeps you financially secure in unexpected situations.
Umbrella insurance extends liability protection beyond your home and auto policies, covering major accidents, lawsuits, and personal injury claims. To explore how it fits your coverage, contact us today.
Anyone with significant assets, savings, or property can benefit from umbrella coverage. It adds extra protection for high-risk situations. For personalized recommendations, ask your agent for guidance.
Coverage typically starts at $1 million and can go higher based on your assets and risk exposure. To find your best policy range, request a quote through our online form.
Umbrella insurance is usually affordable, offering high-value coverage for a small yearly cost. Most plans start at just a few hundred dollars. Schedule a call to review pricing options.
Yes, it helps pay for attorney fees, settlements, and court costs that exceed standard policy limits. For policy-specific details, ask your agent for clear guidance.
Renters can extend liability protection beyond their regular policy, covering serious accidents or injury claims. For available renter options, request a quote directly from our team.
It adds an extra layer that begins when your base policy limit is reached, preventing costly out-of-pocket expenses. For a full coverage breakdown, schedule a call today.
Umbrella policies typically exclude intentional damage or business-related claims. For complete coverage outlines and exclusions, view our service archive for reference.
Report the incident to your insurer promptly, gather all documentation, and follow claim instructions carefully. If you need help during the process, start your claim with our support team.
Secure More
Umbrella insurance gives you added financial protection when standard policies fall short. Safeguard your assets, savings, and future with coverage designed to handle life’s unexpected events.
From home and auto to business and more, we design insurance strategies that protect your assets, income, and future plans with one coordinated approach.
