Umbrella Insurance


What is peace of mind worth to you? For some, it’s knowing that they are protecting their assets and future with personal umbrella liability insurance.

Umbrella insurance is designed to give you added liability protection above and beyond the limits on your homeowners, auto and other personal insurance policies. With an umbrella policy, depending on the insurance company, you can add between $ 1 to 5 million in liability protection. This protection is designed to take over when the liability on other current policies has been exhausted.

What does this really mean?

Liability insurance is the portion of a homeowners or auto policy that pays for expenses such as the injured person’s medical bills, lost wages, or damages to a car due to the person at fault. The liability portion of an insurance policy also covers legal expenses if the negligence results in any court proceedings. After adding up all of the medical expenses for the injured and the legal fees, the standard liability in one’s homeowners or auto policy may be sufficient.

Almost every state has financial responsibility laws that hold drivers accountable for bodily injury and property damage due to a car accident for which the at-fault driver could be sued for damages. Consequently, personal assets from the at-fault driver could be seized as a result of a lawsuit. Similar laws are in force for home, watercraft and motorcycle owners.

A personal liability umbrella insurance policy gives you added liability protection without much added cost. Having the added protection of an umbrella policy is coverage you shouldn’t think twice about –especially for the extra peace of mind it provides.

insurance overview


Exploring your insurance options?

You are at the right place! Whether you’re shopping for business insurance, home insurance, auto insurance, medicare supplement, health insurance or life insurance, we can help get you the best coverage available. Take a few minutes to explore our site to learn about the types of coverage we provide and the educational resources we offer, and then contact us to discuss how we can meet your unique needs.

Importance of Annual Insurance Reviews.

Most people know the importance of insurance protection. You don't want to be without it when problems arise. What many don't realize, however, is that protecting themselves with insurance isn't a once and done event. You don't wear the same pants you did when you were five years old because, besides no longer being in style, they simply don't fit. A homeowner's insurance policy purchased when your house was furnished with bean bag chairs and bar stools is no longer going to "fit" once you're lounging on Italian leather sofas while watching television on your wall mounted plasma screen. Life is constantly changing, and your insurance policies should reflect that.

Freedom of Choice.

Captive agents and direct writers provide you with just one company’s insurance products, but an independent insurance agent can provide you with options from multiple insurance companies. This allows your independent agent to review offerings from different companies — many of which are only available to you through independent agents — and help you find an insurance provider that best fits your mix of coverage, price, and service needs.

Independent Agents representing YOU.

An independent insurance agent is authorized to sell several companies’ insurance products, but ultimately your agent represents you — not those companies. That means you have someone on your side and ready to ‘go to bat’ for you in the event of an insurance question or dispute. It also means you have a person who is regularly looking out for your insurance needs – which may change over time, and who can find a new insurance provider for you if your current provider is no longer the best fit.