Umbrella Insurance: Extra Protection When You Need It Most

What is Umbrella Insurance?

Umbrella Insurance provides an additional layer of liability coverage beyond the limits of your standard homeowners, auto, or boat insurance policies. It kicks in when the liability limits of your underlying policies are exhausted, protecting you from substantial financial losses due to lawsuits or significant claims.

Benefits to You:

• Comprehensive Coverage: Protects your assets and future earnings from costly legal judgments.
• Peace of Mind: Offers security knowing you're covered beyond standard policy limits.
• Affordable Protection: Provides high-limit coverage at a relatively low cost.

Real-Life Scenarios:

• Serious Auto Accident: If you're at fault in a severe accident resulting in substantial injuries, medical bills and legal fees can exceed your auto insurance liability limits.
• Property Incident: Someone gets seriously injured on your property, and you're held liable for medical expenses and emotional distress.

How We Can Help:

Our agents will assess your current policies and recommend an umbrella policy that fits your risk profile and financial situation, ensuring you're adequately protected against significant liability claims.

Personal Liability Insurance: Everyday Protection Beyond Your Home

The Importance of Personal Liability Insurance

Personal Liability Insurance is a critical component of your overall insurance portfolio. It provides coverage if you're legally responsible for unintentionally injuring someone or damaging their property. This coverage is typically included in homeowners and renters insurance but can be extended for broader protection.

Benefits to You:

• Financial Security: Covers legal fees, medical expenses, and damages if you're found liable.
• Everyday Protection: Shields you from incidents that could occur during daily activities, both at home and away.
• Asset Preservation: Helps protect your savings, investments, and future earnings from legal judgments.

Common Liability Scenarios:

• Accidental Injuries: Your dog bites a passerby, or a guest slips and falls on your property.
• Property Damage: You unintentionally cause damage to someone else's property, such as knocking over an expensive item in a store.
• Lawsuits: Coverage for legal defense costs, even if a claim against you is groundless.

How We Can Help:

Our team will evaluate your lifestyle and potential exposures to recommend appropriate liability limits, ensuring you are adequately covered against unexpected incidents.

Recreational Vehicles Insurance: Enjoy Adventure with Protection

Protecting Your Recreational Vehicles

From RVs and motorcycles to boats and ATVs, your recreational vehicles represent fun and freedom. However, they also come with risks. Recreational Vehicles Insurance ensures you're protected while enjoying your hobbies.

Benefits to You:

• Comprehensive Protection: Covers damages, theft, and liability specific to your recreational vehicle.
• Specialized Coverage: Policies designed for the unique features and risks associated with each type of vehicle.
• Peace of Mind: Enjoy your adventures knowing you're financially protected.

Types of Recreational Vehicles We Insure:

• Motorhomes and RVs
• Motorcycles and Scooters
• Boats and Personal Watercraft
• ATVs and Off-Road Vehicles
• Snowmobiles

Coverage Options:

• Liability Coverage: For injuries or property damage you cause to others.
• Collision and Comprehensive: Covers your vehicle in case of accidents, theft, or damage.
• Medical Payments: Covers medical expenses for you and your passengers.
• Accessory Coverage: Protects custom parts, equipment, and personal belongings.

How We Can Help:

Our agents specialize in recreational vehicle insurance and will help you select the right coverage to protect you on your adventures, offering competitive rates and flexible options.