Add an Extra Layer of Protection for What Matters Most
Smart coverage, built to protect
Some things are worth going the extra mile for—your home, your income, your family. That’s where umbrella and life insurance come in. These policies aren’t flashy, but they can be the difference between a setback and a disaster when the unexpected hits.
Whether you want to protect your assets from a lawsuit or plan ahead for your loved ones, we’ll help you build a policy that makes sense for your life.
What We Offer
Umbrella & Life Coverage Options
Personal Umbrella Insurance
Extends your liability limits beyond your home, auto & other policies
Term Life Insurance
Affordable life insurance for a set number of years
Whole Life Insurance
Permanent coverage with fixed premiums and cash value
Return of Premium Life Insurance
Get your premiums back if you outlive the term
Final Expense Coverage
Final Expense Coverage
Why Consider Umbrella Insurance?
When Standard Liability Limits Aren’t Enough
A personal umbrella policy kicks in when your other policies max out—giving you an extra $1M or more in protection. It’s smart for:
Homeowners with significant assets
Parents with young drivers
Dog owners or pool owners
Anyone who wants more peace of mind
People who host frequently or volunteer with youth/sports
It’s often surprisingly affordable—especially compared to what a lawsuit could cost.
Why Life Insurance Matters
Plan Ahead. Provide Stability.
Life insurance helps your family:
Pay for funeral expenses
Cover debts or mortgage payments
Replace lost income
Fund college or long-term goals
Keep a business afloat after your passing
We’ll explain the differences between term and permanent life, so you can choose what fits best for your stage of life, goals & budget.
Why Work With Us
Honest Advice, Clear Options
There’s no one-size-fits-all policy. That’s why we take the time to understand your situation before recommending anything. As an independent agency, we’ll:
01
Explain what umbrella or life insurance does—and doesn’t—cover
02
Shop multiple carriers for competitive rates
03
Help you update or adjust coverage over time
04
Keep it simple, without pressure
Let’s Make Sure You’re Covered—Now & Later
Reach out to talk through your options. Whether you're planning ahead or shoring up liability protection, we’ll help you do it with confidence.
Umbrella & Life Insurance FAQs
What does umbrella insurance cover?
Umbrella insurance provides extra liability protection beyond your auto, home, or boat policies. It helps cover large lawsuits, legal fees, and damages if your underlying policy runs out.
How much umbrella coverage do I need?
Most people start with $1 million. We’ll look at your total assets, income & risks to recommend the right amount. If you have a teen driver, pool, or rental property, umbrella coverage is especially smart.
Is umbrella insurance expensive?
Not usually. Policies are often $150–$300/year for $1 million in coverage, because they only kick in after your base coverage is used up.
What’s the difference between term & whole life insurance?
Term life lasts for a specific time period (e.g., 20 or 30 years) and is usually more affordable. Whole life lasts your entire life and builds cash value but costs more.
How much life insurance should I get?
Term life lasts for a specific time period (e.g., 20 or 30 years) and is usually more affordable. Whole life lasts your entire life and builds cash value but costs more.
Do I need life insurance if I’m single with no kids?
Maybe. If you have debts, own a business, or want to help with final expenses, it can still make sense. Plus, buying younger can lock in lower rates for the future.
Can I get both umbrella & life insurance through you?
Yes. We can walk you through both and explore ways to bundle or simplify your coverage through trusted carriers.
