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Umbrella Insurance


Umbrella insuranceYou don't have to be a millionaire to lose a million dollars in a lawsuit.

You will be surprised at how affordable this protection can be when you think of the everyday situations that could jeopardize your financial security. 

An Umbrella Insurance Policy is the extra protection providing liability coverage over and above the limits on your Homeowners, Automobile and your Farmowners policies to protect your financial assets.  

Here are a few examples of the type of situations where an umbrella policy would be needed:

  • You are at fault in a car accident, critically injuring a mother and a young child.  The jury awards $1.7 million for medical expenses. Your car insurance limit is much lower.  How would you pay the difference?
  • You and your next door neighbor are cleaning the gutters at your home.  Your neighbor falls two stories resulting in disabling injuries.  He is unable to work for six months and the jury finds you at fault, awarding $2.5 million compensation to your neighbor. Your homeowners insurance limit is much lower.  How would you pay the difference?

A $15 credit is applied to your Homeowners policy premium if your primary Homeowners and Personal Umbrella coverage are with Rockingham Group.

This is one of many products we offer.