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Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

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Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

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Umbrella Insurance UMBRELLA

Learn about different coverage options that fit your specific needs.

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Motorcycle Insurance MOTORCYCLE

Browse a variety of insurance options in order to find the right one for you.

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Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

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Recreational Products RECREATIONAL PRODUCTS

Finding insurance doesn't have to be difficult. We do the work for you.

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Umbrella Coverage


Umbrella Coverage Information

Insurance policies have limits that help to control your premium costs. In addition, these limits help insurers ensure that they are able to fulfill their financial responsibility and meet the claims needs of their policyholders. But limits leave you with some exposure to financial loss, because any claims that exceed the amount of a policy’s limit must be either paid for out of your pocket or be unrecovered. An umbrella policy can fill the gap that exists between your limits and your potential claims.

Umbrella policies extend the coverage limits of many types of liability insurance policies such as home and auto.  It can provide $1 million or more in additional coverage to each of those policies you have. For example, when an auto insurance policy has a $250,000 limit and you injure another person in an accident, the medical expenses and lawsuit could cost much more than that. Having the added protection of an umbrella policy gives you another $1 million or more to put toward those costs. This keeps your savings intact while satisfying the financial obligations you have. Umbrella insurance can also provide protection for situations that would be excluded by other policies, such as when you are accused of slander or libel. Umbrella insurance isn’t just for personal coverage; it can also be purchased by a business in order to extend the reach of its various liability policies.

No matter how aggressive your liability insurance policy limits are, the inexpensive addition of umbrella insurance is a great, affordable way to extend your protection and meet whatever comes your way in the future. 

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