Umbrella Insurance

Umbrella insurance shields you when standard policies fall short.

Umbrella insurance provides an extra layer of protection when your standard liability policies aren’t enough. Whether it's a major lawsuit, accidental damage, or unexpected events, umbrella insurance steps in to protect your personal assets and future income. At First National Agency, we offer customizable umbrella policies to ensure you're fully covered when life throws the unexpected your way.

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Why You Need Umbrella Insurance?

In today's world, lawsuits and accidents can lead to damages that exceed the limits of your regular insurance policies. Umbrella insurance is designed to cover what your standard liability policies don't, protecting you from significant financial loss. From legal fees to damages, this additional coverage ensures you won't have to worry about how to pay for life's unexpected twists.

How Umbrella Insurance Works with Existing Policies?

Umbrella insurance acts as a backup to your existing liability coverage. Once the limits of your home, auto, or other primary insurance policies are reached, your umbrella policy kicks in to cover any additional costs. Whether it’s legal fees, medical expenses, or property damage, umbrella insurance fills in the gaps, ensuring you won’t be left paying out of pocket for expenses that exceed your primary policy limits.

Who Benefits from Umbrella Insurance?

Anyone with assets or future income at risk can benefit from umbrella insurance. If you're a homeowner, business owner, or someone with multiple vehicles or valuable assets, an umbrella policy ensures that you're protected from large claims that could impact your financial future. It’s a smart way to safeguard what you’ve worked so hard to build.

Get some answers to frequently asked questions.

  • What does umbrella insurance cover?

    Umbrella insurance provides coverage that extends beyond the limits of your home, auto, or boat insurance policies. It covers liability claims, legal fees, and damages resulting from lawsuits, personal injuries, or property damage caused by you or your family members.

  • Do I need umbrella insurance if I already have liability coverage?

    Yes, umbrella insurance offers additional protection that your standard liability policies may not cover. If the costs of an accident or lawsuit exceed the limits of your home or auto insurance, umbrella insurance steps in to cover the excess, preventing out-of-pocket expenses.

  • Is umbrella insurance expensive?

    Umbrella insurance is surprisingly affordable, especially considering the level of protection it provides. For a minimal cost, you can extend your liability coverage by millions, offering peace of mind against major financial risks.


Get the extra protection you deserve today.

Don’t leave your assets or future to chance. Contact First National Agency today to explore how umbrella insurance can provide the extra protection you need. Our experienced agents will guide you through the process and help tailor a policy that fits your unique needs.