Umbrella Insurance Request a Quote WHAT IS UMBRELLA INSURANCE? When it rains, it pours – especially when it comes to unexpected accidents or claims. You never know when it might rain. Umbrella coverage can help protect you against personal liabilities that could impact a substantial portion of your assets or future earnings. Whether it’s a serious at fault auto accident or an incident on your property you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners, renters and other property policies. AUTO AND HOMEOWNERS INSURANCE MAY NOT BE ENOUGH As a valued client, we want to help you protect everything for which you’ve worked so hard.Auto homeowners and other property insurance liability limits may not be adequate to cover a large court judgment. The example below shows how easy it is to find yourself without enough coverage even if you have high liability limits on your auto or property policy.Umbrella insurance covers the amount that exceeds your primary insurance coverage, sparing you from a financial nightmare, along with paying the attorney to help you survive it. ARE UMBRELLA POLICIES EXPENSIVE? Relative to the amount of protection you get, umbrella insurance is highly affordable. Especially since it’s unlikely you will ever have to make a claim against it. Your specific cost may be determined by variables such as:The amount of coverage you purchaseYour insurance carrier’s provisionsYour risk profile and driving recordYou may save even more money by purchasing umbrella insurance from the same carrier who provides your home and/or auto insurance. Why We're Different There’s no such thing as a one-size-fits-all insurance policy.While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.We’re your neighbors. We protect businesses and people we know and care about, and that means we look for ways to protect you better, including carefully choosing the insurance companies we represent.We desire to be a client-focused agency that is recognized as a trusted insurance advisor in our communities. We value long lasting relationships with our clients, built on a commitment to excellence, continual improvement and a high standard of customer service.Contact us today and we’ll get to work finding the right fit for you. What matters to you, matters to us.