Umbrella Insurance
Custom-Made Protection, Just For You
Life is full of surprises—some good, some not so good. Whether you're a homeowner, business owner, or store owner, sometimes you need more protection than your basic insurance policies provide. That’s where umbrella insurance steps in.
What we cover
Umbrella insurance is that extra layer of security that gives you peace of mind, knowing you’re covered no matter what comes your way. It goes above and beyond the limits of your existing home, auto, or watercraft insurance policies. This isn’t just about covering accidents. Umbrella insurance kicks in for situations that are often overlooked—like libel, vandalism, slander, or even invasion of privacy. When you’re at risk of being sued for damages or injuries, this policy has your back.
Personal Liability
Covering you when things don’t go as planned.
Beyond the Basics
Libel, slander, and more—because sometimes life throws curveballs you don’t see coming.
Lawsuits
Stay protected from legal claims, whether it’s a slip-and-fall or something more complicated.
Property Damage
From fender benders to fence accidents, we’ve got it handled.
Why The Ford Agency
No matter where life takes you, having the right umbrella insurance in place ensures you can focus on what matters most—without worrying about the “what ifs.” Ready to get started? We make it easy. Request your quote today and rest easy knowing you’ve got an extra layer of protection when you need it most.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
