auto
recreational vehicle
homeowners & renters
rental property
earthquake
personal umbrella
life & health
An umbrella policy covers excess liability coverage over and above that which is covered by personal insurance liability on your underlying policies such as home and auto. In other words, it is an extra layer of protection against lawsuits resulting from bodily injury and/or property as the result of a liability claim. It also protects you against false claims and intentional acts such as libel, slander, personal injury and vandalism by your minor children, and covers false arrest, wrongful entry, invasion of privacy and much more.
Although premiums and coverage varies from insurance carrier and insurer, the average cost for most umbrella policies is $200 to $300 a year for $1 million in coverage. In this "lawsuit-driven climate" we recommend this important coverage to protect the assets you've worked hard to achieve. The insurance cost is small compared to the devastating costs of a lawsuit.
We're different - we listen. We are here to help protect you, your investments and personal property. Please contact us today so we can help you identify the best personalized coverage at the lowest premium!