1. Personal Umbrella Excess Liability ($1M to $10M+ Limits)
A Personal Umbrella sits on top of your Personal Auto, Homeowners, Renters, Landlord, Boat, and Recreational Toy policies, adding an extra $1M, $2M, $5M, or $10M in liability coverage. When a severe claim exhausts your underlying policy limit, the Umbrella steps in so your home equity, retirement accounts, and future wages are protected.
Real-world example: If a multi-vehicle highway accident results in $1.4M in medical judgments and your auto policy maxes out at $500,000, your $1M Personal Umbrella pays the remaining $900,000.
2. Excess Uninsured & Underinsured Motorist (UM/UIM) Umbrella
Most people think an Umbrella only pays other people when you are at fault — but adding Excess UM/UIM to your Personal Umbrella adds $1M+ of coverage for you and your own family if you are severely injured by an uninsured or underinsured driver.
Real-world example: If an underinsured driver crosses the centerline and leaves a member of your family with $850,000 in hospital and long-term recovery expenses, Excess UM/UIM protects your own household.
3. Worldwide Liability, Defense Costs Outside Limits & Personal Injury
Personal Umbrella policies follow you anywhere in the world (including international rental cars and vacation stays), pay legal defense attorney fees in addition to your policy limit, and can include Personal Injury coverage for libel, slander, defamation, or non-profit board service.
Real-world example: When a high-stakes lawsuit is filed after an accident, the Umbrella carrier provides experienced defense counsel without eroding your $2M settlement limit.
4. Scheduled Jewelry, Engagement Rings & Watch Floaters
A standard homeowners policy typically caps theft of jewelry at just $1,500 total — and doesn't cover losing a diamond from a prong or dropping a ring down a drain ('mysterious disappearance'). A Scheduled Personal Property Floater insures each ring or watch for its appraised value on an open-peril, worldwide basis with $0 or low deductibles.
Real-world example: If the center stone falls out of a $12,000 engagement ring while hiking or traveling, your Scheduled Jewelry Floater pays to replace the diamond with no homeowners deductible.
5. Firearms, Optics, Hunting Gear & Sporting Equipment Floaters
Standard home policies cap theft of firearms at $2,000 to $2,500. We write scheduled and blanket Inland Marine coverage for sporting firearms, custom rifles, suppressors, thermal/night-vision optics, spotting scopes, saddles/tack, and high-end bicycles or camera kits.
Real-world example: If a custom hunting rifle and $4,500 spotting scope are stolen from your locked pickup on an out-of-state elk hunt or damaged in a fall, your Sporting Equipment Floater covers the full value.
6. Fine Art, Western Bronzes, Musical Instruments & Collectibles
Heirloom artwork, Western sculptures, rare coins, wine collections, and professional musical instruments need Agreed Value coverage that accounts for appreciation rather than depreciation. Scheduling them separately also keeps small single-item losses off your main homeowners policy record.
Real-world example: If a water leak or moving accident damages an appraised painting or vintage guitar, your Fine Art & Musical Instrument Floater pays the agreed scheduled value.
