UMBRELLA INSURANCE -- EXTRA PROTECTION, LOCAL SERVICE

Umbrella activates when a claim exceeds the liability limits on your auto, home, renters, or landlord policy.

Example:  Auto liability limit $250,000, claim $1,000,000 -- Umbrella can cover the rest ($750,000), subject to its limits.

Most start at $1,000,000 with options to increase to $2M, $3M, $5M+, depending on eligibility.

 Extra liability protection if injuries or property damage exceed your auto limits. 

 Additional coverage for claims from incidents at your home or rental property. 

 May cover claims like libel/slander or false arrest (varies by carrier — ask us). 

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