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Umbrella Insurance
A million dollars of protection for about a dollar a day
An umbrella policy sits on top of your auto and home liability and adds one to five million dollars of coverage. If a serious accident produces a judgment bigger than your regular limits, the umbrella is what stands between it and everything you own.
Who needs one
If you own a home, have savings, a pool, a boat, a dog, or a teenage driver, your risk is bigger than your limits. Umbrellas typically include defense costs too - and lawsuits are expensive even when you win.
It requires the right foundation
Carriers require minimum underlying limits on your auto and home policies before an umbrella attaches. We review your current limits, fix the foundation if needed, and quote the whole package together.
What an independent broker does for you
As independent brokers we are not tied to one company. We shop multiple carriers, compare the quotes side by side, and place you with the one that fits your situation and budget. When the market moves, we re-shop it - you should never have to become an insurance expert to be treated like one.