Does it cost more to work with a broker?

In most states, brokers are not allowed to charge any additional fees. This means that the rate the insurance company filed with the state is the price you pay.

How much insurance do I need?

Every person and every family has different insurance needs.  A good rule of thumb is to purchase as much liability protection as you can afford.

Things to think about:

  • Does your bank require certain levels of coverage?
  • Do you have a large vehicle that could cause more damage?
  • How much can you afford to pay before insurance “kicks in” in the event of a claim?

If you would like help making the decision please take time to speak with one of our agencies.

What is an Umbrella Policy?

An Umbrella Policy provides additional protection above the coverage limits of your Home, Auto, and other insurance policies. This coverage protects you and your family in the event you are found liable in a lawsuit or claim.

How can I buy an Umbrella Policy?

To purchase an umbrella policy, most companies have requirements of your underlying policies. Generally, your home, auto, and other policies must have a certain amount of liability protection to qualify for an umbrella.

How do I determine if an Umbrella Policy is right for me?

Add the following together:
Total equity in your home: __________
Total value of personal property: __________
Total value of other investments: __________
Total value of checking/savings: __________
Total value of future wages: Annual Salary x Yrs working: __________
Total: __________

If the total above exceeds the liability protection provided by your home or auto insurance, then you should consider an umbrella policy.

How much protection can I purchase with an Umbrella Policy?

We can provide umbrella policies from $1 Million to $10 Million and above.