Protect Everything with Umbrella Insurance
An umbrella insurance policy provides additional coverage beyond what your homeowner’s and car insurance can provide. At Steven Graves Insurance Agency, our umbrella policies will serve two primary purposes:

  • Extend the financial limits of your primary policies.
  • Provide broader coverage.

Why Do You Need Umbrella Insurance?

An umbrella insurance policy offers additional coverage above and beyond your ordinary insurance policies. While many people won’t need to make a claim against this type of policy for ordinary purposes, if you are involved in an accident that causes a large amount of expensive damages, your ordinary homeowner’s and car insurance policies will not give you the financial help you need. You will still be held liable. An umbrella policy increases the financial limits on your policy.

What Does It Cover?

If someone sues you and the court finds you are at fault, your umbrella insurance policy will activate if damages exceed your other insurance policies. As long as you have this type of policy, it will provide you with:

  • Up to $10 million in coverage.
  • A broad coverage area that surpasses your other policies.
  • Personal liability and auto protection.
  • Liability coverage on any watercraft or recreational vehicle, even those you don’t own.
  • Coverage around the globe.

Do You Qualify?

Our experienced agents will help you determine if you qualify for an umbrella liability insurance policy. There are certain minimums that must be met in other areas of your insurance coverage, as well as other limitations. When you speak with us, we will help you find the right options so you can get the exact coverage you need.

If you think you may benefit from umbrella insurance coverage, contact us. One of our representatives will work with you to determine what options are best for your needs.