Umbrella Insurance: Extra Protection When It Matters Most

Umbrella insurance provides an extra layer of liability coverage beyond your homeowners, auto, or watercraft policies. It helps protect your savings and assets if a major claim or lawsuit exceeds your standard policy limits.

Affordable and powerful, umbrella insurance gives you added peace of mind—so you’re covered when the unexpected happens.

Protect your financial future with the coverage you need.

Flood insurance is a specialized type of property insurance that covers losses caused by flooding—damage that standard homeowners insurance usually does not include. It’s essential for homeowners, renters, and businesses in flood-prone areas.

Flood insurance helps protect property owners from the financial impact of flood damage. Policies can be purchased through the National Flood Insurance Program (NFIP) or private insurance companies.

Flood insurance generally includes two main components:

1. Dwelling Coverage
Covers the structure of your home, including the foundation, plumbing, electrical systems, and major appliances.

• NFIP limit: up to $250,000
• Higher limits may be available through private insurers

2. Contents Coverage
Covers personal belongings like furniture, clothing, and appliances.

• NFIP limit: up to $100,000
• Policies can cover the building only, contents only, or both