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Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and, as a result, it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.  The Time Insurance Agency can help you determine if you need this, and if so what to include and the amount of insurance coverage needed.

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Nobody’s perfect. That’s why you buy liability insurance.

Think of umbrella insurance — sometimes called personal liability insurance — as a fail-safe for your savings and other assets. If you’re sued for damages that exceed the liability limits of your car insurance, homeowners insurance, boat insurance or some other policies, an umbrella policy helps pay what you owe.

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What does Auto Insurance Cover?

The basics of Auto insurance are Property, Liaibity and Medical coverage. There are additional Auto insurance coverages like uninsured motorist coverage that are priced individually to let you customize coverage amounts to suit your exact needs and budget. Policies are generally issued for six-month or one-year timeframes and are renewable. Let a Time Insurance Agent help you decide what works best for your lifestyle, needs and budget. 


The damage to your car or theft of your car


Your legal responsibility to others for bodily injury or property damage


The cost of treating injuries, rehabilitation, lost wages, etc.

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