Boat & Motorcycle Insurance

Even the best insurance policies have limits. Umbrella insurance provides additional liability coverage, protecting your personal assets in case of major lawsuits or claims. Whether you're facing a large auto accident claim, a liability lawsuit, or unexpected damages, umbrella insurance ensures you’re financially secure—without risking your savings or future earnings.

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Why Umbrella Insurance is a Smart Investment

Accidents happen, and sometimes standard home or auto insurance just isn’t enough. If you’re found liable for damages exceeding your policy limits, umbrella insurance steps in—covering legal fees, medical expenses, and other costs. Whether you're a homeowner, driver, landlord, or business owner, umbrella insurance helps protect what you’ve worked hard for.

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What Does Umbrella Insurance Cover?

  • Injury Liability – Covers medical expenses and legal fees if someone is injured on your property or due to an accident involving you.
  • Property Damage Liability – Protects you if you're held responsible for significant damage to another person’s home, vehicle, or property.
  • Legal Defense Costs – Covers attorney fees, court costs, and settlements, even if a lawsuit is baseless.
  • Personal Liability Protection – Extends coverage for claims like libel, slander, false arrest, and landlord liability.
  • Auto & Home Excess Coverage – Adds an extra layer of protection beyond your standard home and auto insurance limits.
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