My homeowner’s policy is up for renewal & since I live in fire zone (lost fence & several trees; smoke-damage within), I wanted to increase limits.

I opted for Umbrella policy thru Auto Club of SoCal – $500K each for home/auto & additional million over that. After hearing neighbors’ horror stories about rebuilding & ins. pay-outs, it seemed like a good idea.

ACSC was terrific at paying out insurance claims from fire.