State Farm General, already seeking an emergency 22% rate hike for its homeowners insurance, has asked California regulators for an even larger increase for its add-on umbrella insurance.

The state’s largest home insurer has filed for a 39% premium hike for its California Personal Liability Umbrella program, which provides homeowners additional coverage arising out of a variety of situations — including slip and falls in their home, damage to another person’s property, serious auto accidents or even cases of libel and slander.

If the California Department of Insurance grants the increase, it would take effect on Aug. 1 and follow a 29% increase that has been in force since March 1. Last year, the company also was granted increases for the umbrella policy of 15% and 40%, the first rate hikes since 2020.

The company said it is asking for the increase because “personal liability costs have risen dramatically across the industry due to more accidents, escalating medical bills and larger legal settlements,” as well as a higher number of claims.

State Farm General is already seeking the emergency rate hike for its homeowners coverage following the Jan. 7 fires in Pacific Palisades, Altadena and elsewhere in L.A. County.

Distributed by Tribune News Service