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Personal Umbrella Policies

Coverage for unexpected large losses

A personal umbrella policy provides personal liability coverage that goes above and beyond the amount that regular home or auto insurance offers. This is not a substitute for homeowner’s or car insurance, but instead it provides additional coverage in case of a large liability claim.

Talk to us today to learn more about how umbrella policies can protect your assets and lifestyle.


About umbrella policies

Personal umbrella policies commonly provide excess coverage over these policies:
  • Personal auto
  • Homeowners
  • Rental property/landlord policies
  • Watercraft
  • Motorcycle

Limits commonly available:
  • $1,000,000
  • $5,000,000
  • $10,000,000 and higher

More about umbrella policies

Find out what's "under" an umbrella policy

Extra protection for that rainy day

What umbrella policies cover

An umbrella policy is a type of liability insurance that provides an additional layer of protection on top of your existing auto and homeowners policies.

Umbrella policies can also provide coverage on top of other policies that offer liability coverage, such as watercraft or motorcycle policies. 

When you have an umbrella policy, it will cover liability damages in excess of the amounts covered by your auto or homeowners insurance. In the event that you are found to be liable for a certain incident, the umbrella policy will pay out settlements after your other policies are tapped.


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What do umbrellas actually cover?

Read some examples of umbrella claims

Your driving record is clean, and you pay your bills on time. You know you look good on paper, and you’re qualifying for a lot of discounts on your car insurance. But is there a way to save even more? 

Using an app on your phone or a device that plugs in to your car, telematics programs help insurance companies learn more about you as a driver, calculating your premiums based on you drive.

Telematics programs typically offer discounts to drivers who don’t engage in risky driving behavior such as hard braking, hard accelerating or fast cornering.

Usage-based discounts help you only pay for what you use, helping low-mileage drivers save money. Drivers who work from home or have short commutes can realize big savings.

Parents of new or teenage drivers may also like the monitoring aspects of telematics programs, since they typically report back on driver behavior in real time.

Call us today and we can help you decide if a telematics program would be a good fit for you.


How to choose the right umbrella limits

How much coverage is enough?

Choosing the right auto insurance policy for your collector cars is important.

We connect car enthusiasts with the insurance companies who understand how to insure unique cars.

Types of collector cars we can insure:
Antique cars
Exotic cars
Vintage military vehicles, fire trucks or hearses
Limited production cars
Custom vehicles
Replica cars

Specialty coverage can include:
Agreed value
Unlimited miles option
Roadside assistance
Spare parts coverage