We believe in answering insurance questions that other companies will not answer. For example, consumers are familiar with umbrella insurance because of expensive marketing campaigns done by insurance companies. But what is umbrella insurance and why do you need it?

An umbrella insurance policy offers enhanced liability coverage for all of your other policies. In some cases, your umbrella policy may cover risks that your current insurance does not cover. Your umbrella policy covers areas your homeowners does not cover, such as:

• Invasion of privacy issues
• Lawsuits dealing with slander or liable
• Costs associated with a false arrest
• Liability costs that arise due to pollution issues

We can also create an umbrella insurance policy that extends coverage for automobile liability as well. An umbrella policy becomes a very valuable form of protection when you are facing a problem that is normally not covered by traditional insurance. The biggest challenge when buying umbrella insurance is to find a carrier that offers the exact kind of coverage that you need. That is where our team of experts come in and give you the solution you need.

There are a lot of people out there who do not have umbrella coverage because they were convinced that they do not need it. Our job is to give you all of the information and options you need to make an informed decision. We want to give you the right information so that you can make the decision that works for you and your family.

We will sit down with you and evaluate all of your potential risks. After all, risk assessment is one of our specialties. Once we have cataloged all of your potential risks, then we let you decide on how important extra liability coverage may be. There are many realities about the world around us that other insurance professionals would rather ignore. We don’t play games with your future. We lay out all of the risks for you and let you see just what would happen if you don’t have the proper kind of umbrella insurance in place.

When you see the risks you and your family face, then it becomes easier to understand why you need to invest in umbrella insurance. Let us show you why you need umbrella insurance, and then give you the right options to help you make the best choice for your family.