Umbrella Insurance Policy

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Umbrella insurance refers to a liability insurance policy that protects the assets and future income of the name insured in addition to his or her primary liability coverage.


Typically, an umbrella policy is pure liability coverage over and above the coverage afforded by the regular policy, and is sold in increments of one million dollars. The term “umbrella” is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies. This coverage gives you peace of mind.

For example, if the insured carries an auto insurance policy with liability limits of $500,000 and a homeowners insurance policy with a limit of $300,000, then with a million dollar umbrella, the insured’s limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim.

What is an Umbrella for?

To provide an additional layer of liability when your auto and home liability limits have been exhausted.  Umbrella policies normally start at $1 Million in coverage and can be as little as $150/year.


Do you have a referral bonus for referring new clients to your agency?

We do have a referral bonus program.  If you refer someone to our agency and we write their insurance, you receive a gift card, pen or other item.  You are also entered in our quarterly referral drawing to win a $50 gas card!

“No one could ask for better service! I’ve told others to come to you for insurance as I know the service is the very best and they would be treated fairly.”

— Ruthelle N.

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