This page covers two related but distinct needs:
- Umbrella insurance — extra liability protection that sits on top of your auto, home, and business policies
- Specialty insurance — the recreational and lifestyle vehicles that don't fit on a standard auto policy: boats, motorcycles, RVs, ATVs, classics
Both are areas captive agents tend to either skip or treat as a checkbox. As an independent agency, we have specialty markets that handle each properly.
Umbrella insurance — what it actually does
A standard auto policy might max out at $300,000 in liability. A standard homeowners policy similarly. If a serious accident, dog bite, or pool incident leads to a $1 million judgment, you're personally on the hook for the gap.
An umbrella policy sits on top of your existing auto and home liability and adds another $1M, $2M, or $5M of protection — for the cost of about a dollar a day for the first million.
Specialty vehicles — boat, RV, motorcycle, ATV, classic
A standard auto policy almost always excludes these. Trying to claim through your regular policy after a boat trailer accident or an ATV rollover often ends with a denial.
We write specialty coverage through carriers that actually understand each vehicle type — agreed-value classics, lake-trailered boats, full-time RV use, off-road ATV.
Why this lives at an independent agency
A captive carrier might write the boat policy as a token endorsement on your auto. We write it through a specialty market that knows the difference between a bass boat and a houseboat — and prices accordingly.
Some carriers won't write umbrella unless you carry their auto and home. As an independent, we can write umbrella standalone or stacked on the carriers we already shop for you.