Umbrella coverage for the worst day, not the average one
A serious car accident or a guest injured on your dock can exceed standard limits. An umbrella adds a million dollars of protection for a few hundred dollars a year.
Sample premiums from $26 a month for $1M. Sample figures for illustration.
How we approach personal umbrella coverage
A personal umbrella policy sits above the liability limits of your auto, homeowners and watercraft policies. When a covered claim exhausts those limits, the umbrella pays the rest, up to its own limit. It also covers some claims the underlying policies may not, such as certain libel or slander allegations.
Umbrellas are especially valuable for families with teenage drivers, rental properties, pools, docks or boats, and anyone with meaningful savings or home equity. The underlying policies usually need specific minimum limits, and we coordinate all of them so there are no gaps between layers.
How a quote comes together
Most personal umbrella quotes take one conversation and a day or two of comparison.
Inventory exposures
Drivers, properties, boats, pools, dogs and rentals.
Check underlying limits
We raise home, auto and boat liability to the required minimums.
Choose the limit
Based on net worth, income and lifestyle exposures.
Coordinate renewals
We align policy dates so no layer lapses.
What moves the price
These factors carry the most weight with the carriers we represent. We explain each one on your quote.
Number of drivers
Each driver, especially under age 25, adds to the premium.
Properties and rentals
Additional homes and rental units add exposure.
Watercraft
Boats and personal watercraft increase liability risk.
Limit selected
Each additional million costs less than the first.
Underlying carriers
Some carriers require home and auto with them for the best price.
Why neighbors choose an independent agent
- No gaps between layers
- We manage underlying limits and umbrella terms together.
- Teen driver peace of mind
- Added protection for the years when accident risk is highest.
- Dock and pool protection
- Extra limits for the waterfront features Maine families love.
- Affordable certainty
- The first million typically costs less than a nice dinner out each month.
Often paired with personal umbrella
All coverage
Homeowners
Dwelling, belongings and liability for the house you live in, priced on what it costs to rebuild in Maine.
Sample premiums from $96 a month
Auto
From Maine's minimum limits to full coverage, with help that goes past the phone number on your ID card.
Sample premiums from $78 a month
Boat & marine
Agreed-value hull and on-water liability for sailboats, center consoles, lobster boats and everything moored in between.
Sample premiums from $34 a month
Personal umbrella questions
Anyone with assets or future earnings worth protecting, particularly households with teen drivers, boats, pools, docks or rental properties.
Typically $250,000 per person and $500,000 per accident on auto, and $300,000 on homeowners, though requirements vary by carrier.
No. Business liability requires a commercial umbrella attached to your business policies.
Compare personal umbrella quotes in one call
Tell us what you need to protect. A licensed agent on Fore Street shops it, explains it, and sends a clear side-by-side, usually within one business day.
No obligation. Licensed agents. Coverage subject to policy terms.