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Umbrella Insurance


Umbrella insurance can help protect your future and the things you've worked hard for. It provides extra liability coverage that goes beyond your home, auto or boat insurance policies and acts as a fail-safe for your savings and other assets should you face a lawsuit. Umbrella insurance may also provide coverage that's not included in your standard insurance policy.


You should talk to us about umbrella insurance if you own property or things that may cause injury to others, such as pools, trampolines or dogs, or engage in activities that increase your chances of a lawsuit.​


Put us to work for you!

Let us impartially shop multiple top rated insurance companies, search out your best rates and create a customized quote that's just right for you. We'll also explain your coverage options, so there won't be any unpleasant surprises later.

Pick up where your other insurance leaves off

An umbrella policy will help protect your assets and your wages, and help pay the remainder of a claim that exceeds your home, auto, or other insurance policy limits

When would I be protected?

If your dog bites the mail carrier, or your child's friend is seriously injured in your pool or on your trampoline, your homeowners may not be enough to cover it.

If you cause an accident where others are seriously injured, the medical costs may exceed the policy limits of your auto insurance.

If a child on the team you coach is seriously injured at practice and you get sued, an umbrella policy would protect your financial future.

These are some examples, but there are many other instances where umbrella insurance could protect you.

Once you're covered, we make managing your insurance simple, because we'll be your direct contact for all your future needs, such as making a change to your coverage, getting more information, or filing a claim.

Umbrella Insurance FAQs

Does umbrella insurance cover business or professional coverage?

No, mbrella insurance is a personal insurance option. It excludes personal liability arising from any business, business property or professional services.

When would I need to use my umbrella insurance?

There are many are situations that we think (or hope) will never happen to us, where umbrella insurance can be helpful.* For example, you're driving on the highway on a rainy day, and you don't notice a slowdown in front of you, causing a five-car pileup. Let's assume you have an auto policy with injury limits of $300,000 per person and $500,000 per accident. But you've just hurt 10 people with a total injury amount of $750,000. That doesn't even account for the auto repairs. Let's say your auto policy covers property damage up to $100,000 and one of the cars in the pileup was an Aston Martin Vantage, which starts at $149,000. This may seem like an extreme example, but it's easy to see how quickly costs can add up. How about this one. What if your neighbor stops by for a chat and falls on the ice on your walkway that hadn't gotten around to removing yet, causing them to rack up $500,000 in medical bills? If your homeowner's policy has $300,000 in coverage, it would not be enough to cover those medical bills. Finally, what if you owned a rental property policy with a $300,000 liability limit, and there was an electrical fire in your rental home that resulted in a death? If your tenants sued you for $1 million, your rental property policy would not be enough to cover the damages assessed against you. In all these situations, an umbrella policy can provide the excess coverage you need to protect your assets and financial future.

Why is it helpful if you're my agent for home and auto as well as umbrella?

Umbrella policies pick up where your other policies leave off. By having the ability to review your coverages, we can mitigate gaps and ensure you are poroperly protected. Call us at (860) 785-4854 to discuss the right insurance options for you.

Our carriers

MetLife Auto Insurance
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Safeco Insurance Auto Insurance