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Umbrella Insurance

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Additional financial security to guard your assets when facing the unexpected.

The Basics of Umbrella Insurance

Even if you have insurance on your car, boat and house, that doesn’t mean your personal assets are safe from legal claims. Umbrella insurance is designed to fill in the gap that lies beyond the limits of standard insurance policies, as well as address some types of incidents that aren’t covered by normal policies. Think of this type of insurance as a safety net that provides an extra layer of security against liability claims against you.

Umbrella policies address several types of financial claims, some of which are already partially covered by standard policies, including injuries to other people and property loss. In most cases, this type of insurance kicks in when you are at fault and therefore liable for damage caused to something or someone else. This policy can help cover costs associated with serious car accidents that are your fault, as well as personal injuries to someone who is visiting your home.

Aside from incidents involving injuries, umbrella insurance can also protect your investment in certain objects and property. The destruction of a rare or expensive furnishing in your home, like a rug or carpet, could be covered by the policy. It can even mitigate the financial loss caused by your kids at school or in another shared environment. An umbrella policy also protects your assets if you are sued for libel, slander, malicious prosecution or similar accusations.

A personal umbrella policy is not only a great way to protect yourself from extremely high or unexpected financial claims, but is also a tool to guard your entire family’s assets from pursuit. Even if the limit on your auto or homeowners insurance policy seems really high, that doesn’t mean it will completely protect you from the calamities that life throws at you. An umbrella policy is the best way to give yourself and your family an extra layer of financial security, so you are prepared for whatever comes next.

Great service and always available!
Allison Clayton
Already did this. But won't hesitate again to let others know this is a top notch company and I'm so blessed to have them working w me!
Peggy Whalen
Jim Graham is extremely knowledgeable, attentive and kind. He took so much care and time to find the right cocktail of insurance for my business's specific needs!
Autumn Stankay
I highly recommend Graham Insurance group. Great customer service, friendly people, and always is looking at your best interest.
Dominic DiDonne (Dom & Nikki)
Locked my keys in my car on a Sunday and called the roadside assistance and had my car unlocked within the hour. Very easy and quick the guy also asked if I was OK and in a safe location.
Nicholas Prettiman
My father was with Graham Insurance and when I needed insurance I went to them as well. They have always been professional and helpful. Even though I rarely called them they know who I am as soon as I told them my name. I highly recommend them for all your insurance needs.
I have been with nationwide for years, they have always been friendly, helpful and professional. I have always been able to count on them for my auto and home insurance.
Laura Wilkinson
We have been with Graham Insurance for decades. Always a no-hassle experience and very competitive rates. A huge thanks to Ronni who helped us recognize our new coverage needs and completed the process seamlessly.
Kimberly Bringe