What an umbrella actually does
An umbrella sits above your home, auto and marine liability limits and responds when a serious claim exceeds them. It's the least expensive coverage per dollar of protection in the entire portfolio, and the one most often bought once and never looked at again.
The right limit is not a round number
It reflects what you have to protect: equity, savings, future income. The most common gaps we see are an umbrella bought years ago that no longer matches net worth; underlying limits that fall below what the umbrella requires, leaving an uncovered layer; and new exposures (a second home, a boat, a young driver) never added to the policy.
Coordinated, or it isn't coverage
An umbrella only works when every underlying policy meets its requirements, in every state you hold property. Because we fit the whole portfolio, the umbrella actually connects to what sits underneath it.
Also from the fitting room: Home insurance · Auto insurance · Boat & yacht insurance · Aircraft insurance
Let's get you measured.
One short call and we do the rest. Serving clients in every state.