Extra Liability Protection for Virginia Families

What Umbrella Insurance Does

Umbrella insurance kicks in after your regular liability coverage runs out. It helps cover:

• Major injury claims or lawsuits
• Large property damage claims
• Legal defense costs
• Personal liability situations not always covered by base policies

It extends coverage across your home, auto, and other eligible policies — often at a surprisingly affordable price.

Why Consider Umbrella Coverage

You might want umbrella insurance if you:

• Own a home or multiple properties
• Drive regularly (especially with teen drivers)
• Have savings or assets to protectHost guests or entertain at home
• Own a boat, ATV, or other recreational vehicle
• Simply want peace of mind in a lawsuit-heavy world

We’ll help you decide if it makes sense for your situation — and how much coverage is enough.

How It Works with Other Policies

Umbrella insurance doesn’t replace your home or auto liability — it stacks on top of them. For example:

• Your auto insurance covers up to $250,000
• A claim exceeds that amount
• Your umbrella policy covers the remaining balance, up to its limit

This extra coverage is useful when something serious happens — and helps protect your finances long-term.

Add It Easily

We can add umbrella coverage to your existing policies or include it as part of a new bundle. It’s fast to set up and easy to manage.

Ask About Umbrella Coverage

It’s one of the smartest ways to protect your future. Let’s see if it’s right for you.