Hey, Where's my Umbrella?

As your Insurance Agency, we strongly recommend the purchase of a Personal Umbrella Policy. Some of the guidelines to qualify for this type of policy are as follows:

        -No more than 2 auto accidents/household in a three year period

        -No more than 2 moving violations in a 3 year period

        -Minimum “deductible” is $500.00

        -No coverage for vicarious liability

        -No coverage for liability caused by mold, rot, fungi, bacteria, mildew, or communicable disease

        -No coverage for molestation or physical abuse

        -No coverage for war, nuclear energy or computer liability

        -Underlying limits on bodily injury coverage for auto policy must be increased to 250,000/500,000. (Your auto policy must be with Arbella Mutual .)

-Homeowners liability limit must be 500,000. (Policy also with Arbella.)

The approximate cost for a $1,000,000. umbrella policy is $140.00, for a $2,000,000. policy is about $280.00. Cost would increase if you have more than one home, car, or have a boat or RV policy. Policies are available in 3, 4, & 5 Million dollar amounts, but must be approved by a company underwriter. The 1 million policy is our most popular.

If you are interested in obtaining this additional protection,  please call us to submit an application.