UMBRELLA POLICY:  This is a liability policy sold in $1,000,000 increments.  It adds additional coverage of liability over the base policy, which means policies like the auto will get basic coverage of $500,000, plus a $1,000,000 more, so will the homeowners policy for personal liability as well as the boat and recreational vehicle policy or anything else you insure.  It gives a piece of mind to know your assets like farmland and dwellings are protected from lawsuits.  Please contact us if we can help you with an umbrella insurance policy.

PREMIUMS:  The premiums are calculated for umbrella policies using the below list of exposures.

PRIMARY RESIDENCE

ADDITIONAL RESIDENCE OR SET OF FARM BUILDINGS

RENTAL PROPERTIES

ADDITIONAL INSUREDS

CUSTOM FARMING

TOTAL ACRES OF CULTIVATED LAND

FIRST VEHICLE

ADDITIONAL VEHICLES

UNMARRIED YOUNG DRIVERS AGE 21 OR YOUNGER

WATERCRAFT

RECREATIONAL VEHICLES

BUSINESS PROPERTIES

BUSINESS PURSUITS