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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.
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If you cause an accident where others are seriously injured, the medical costs may exceed the policy limits of your auto insurance.
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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.
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These are some examples, but there are many other instances where umbrella insurance could protect you.
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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.
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How can I save money on my renters premium?One of the best ways to save on renters insurance, and onother types of insurance as well, is to bundle your policies. Other savings opportunities may include monitored security system discounts and claims free discounts.
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Can roommates share one renters insurance policy?No. A renters policy automatically covers family members, such as your spouse or children. A live-in significant other may also be covered. A roommate is not covered under your renters policy and would need to obtain their own policy.
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Do college students need renters insurance?Because renters insurance is so affordable and offers low deductible options, it's a great idea for college students. Your homeowners policy should cover your child while they are away from home, but there are limitations and your homeowners policy deductible (which is typically much higher than renters insurance) would apply if there was a loss. With renters insurance, if someone steals your child's laptop, their policy would provide coverage for theft. It would also help protect your child if he or she is found legally responsible for damage or injury to others.
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Can I add renters insurance to my homeowners policy?Having two separate policies is not typically needed, especially for the same location. There may be situations where it makes sense to care a homeowners and renters policy, though, such as if your child is away at school or if you are renting a property in addition to the home you own. A homewoners or renters insurance policy can offer some coverage in multiple locations, but there may be limitations, which is why two separate policies can be a good option. Call us at (860) 785-4854 to discuss if this is the right option for you.
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Does renters insurance cover moving?If you're moving to a new rental, there's no need to cancel your renters policy. Simply update it to reflect your new address. You may also want to review your coverage at this time to make sure it still fits your needs. If you plan to hire a professional moving company and have a written contract, your stuff is covered if lost during the move or damaged by a covered event such as fire or vehicular accident. Your stuff is not covered for breaking or scratching during the move - for that you'd need to purchase additional protection from the moving company. If you are moving into a new home and will need a homeowners insurance policy instead, you should wait to cancel your renters policy until after your stuff is delivered to your new address. If your belongings are not being moved under a movers contract or another form of shipping or storage, the renters policy can be canceled the same day as your homeowners policy is issued. Contact us at (860) 785-4854 to review your renters policy or transition to a homeowners insurance policy.
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