Umbrella | Specialty
UMBRELLA
An Umbrella policy increases liability protection above and beyond a standard homeowner or auto policy that would not cover the total replacement of your home, belongings or vehicles. This add-on increases the limit of what you would receive should a loss occur.
SPECIALTY
Known as Inland Marine Floaters, these available add-ons fill gaps for which the typical homeowner’s policy may only have limited coverage or will not cover at all. They are usually all-risk and will void any coverage in your underlying policy.
Personal Effects Floater – Increases coverage on personal belongings and luggage while traveling.
Personal Articles Floater –Covers expensive or important items or collections a standard policy will not provide enough coverage for, e.g., jewelry, musical instruments, fine art, antiques, etc.
Each policy will have stipulations, limits, and exclusions. Extensions, riders, and floaters are available to fill any gaps. The information on this website is an overview of the types of insurance you may be able to purchase, but does not comprise full explanations of policy types nor does it guarantee any particular coverage or policy.