Beyond the Limit
When a claim climbs past the limits on your auto or home policy, an umbrella picks up where they stop. Quiet protection for a serious day.
For the moments your other policies reach their limit. Umbrella coverage stands ready above your auto and home policies, protecting what you've built from the claims that exceed the ordinary.
In plain terms
Umbrella insurance adds extra liability coverage on top of your auto and home policies, kicking in once those limits are used up, protecting your assets from large lawsuits or claims.
The parts of the policy, named plainly.
Each line below does a specific job. We make sure you can point to any one of them and say what it's for.
Excess liability
Extends the liability limits on your home and auto policies.
Broad situations
Can respond to certain claims a base policy may not fully address.
Legal defense
Helps with defense costs tied to a covered liability claim.
Household reach
Often extends to family members in your home, subject to terms.
The questions worth sitting with.
A few honest considerations, and the situations this coverage tends to fit. We talk through both before anything's decided.
Considerations
- The total value of assets you want shielded
- Required underlying limits on auto and home
- Activities that raise your exposure, such as hosting or volunteering
- How the cost compares to the protection added
A good fit for
- Households with savings or property worth protecting
- Owners of pools, trampolines, or rental units
- Anyone who wants headroom above standard limits
The things people ask us most.
Do I need an umbrella if I already have good limits?
It depends on what you would lose in a worst case. We model the gap and let you decide with the full picture in front of you.
Is umbrella coverage expensive?
It is often modest relative to the protection it adds, because it sits above existing policies. We show the exact tradeoff.
Other pages in the personal ledger.
Most plans are a combination of lines. Here is the rest of the personal chapter to read alongside this one.
Auto Insurance
Coverage tailored to keep your family and your vehicles protected.
In plain terms
Auto insurance covers liability for injuries or property damage you cause in an accident, along with optional coverage for your own vehicle's repair costs, medical payments, and protection against uninsured or underinsured drivers.
Home and Property Insurance
A home is never just four walls. We protect the structure, what fills it, and the life built inside, properly and without the gaps standard policies leave behind.
In plain terms
Home and property insurance covers your home's structure, personal belongings, and liability for injuries or damage that occur on the property, along with additional living expenses if the home becomes uninhabitable due to a covered loss.
Life Insurance
Life insurance isn't about the policy, it's about the people it protects. We help you find the right coverage to safeguard your family's future, income, and peace of mind, without overpaying for what you don't need.
In plain terms
Term covers a set number of years and is usually lower cost. Permanent lasts for life and can build value over time. The right one depends on the job you need it to do.
Specialty and High Value
For the things that don't fit a standard policy: classic cars, fine art, jewelry, boats, and homes that exceed the ordinary. We match rare assets with the carriers built to protect them properly.
In plain terms
Specialty and high value insurance provides coverage for valuable or unusual property, such as classic cars, fine art, jewelry, watercraft, and homes above standard value limits, that typically requires higher coverage limits, agreed value provisions, or specialized policy forms not offered under standard policies.