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.
SPECIALTY INSURANCE
What is Specialty Insurance?
If you own one of the following items, you may want to consider purchasing an additional specialty insurance policy to cover any accidents, theft, or damage.
- High performance or collector vehicles
- ATV- Motorcycle
- Boat
- Recreational Vehicle
- High Value Home
- High Value Renters
- Collectables and collections
- Jewelry
Motorcycle or ATV
Motorcycle insurance, like ATV insurance, is separate from traditional car insurance. It will reimburse you for expenses related to accidents, injuries, and lawsuits and can also help you replace your motorcycle if it is damaged or stolen. Motorcyclists involved in an accident with a driver who has inadequate or no insurance will also receive financial support through their own insurance policy, which can save them a significant amount of money.
Boat Insurance
Boats typically require owners to maintain insurance policies. Boat insurance covers loss or damage of a variety of watercraft, including most motorboats (fishing boats, etc.) and pontoon boats, paddle boats, leisure crafts, and yachts. Typically it does not cover canoes, kayaks, and other small or personal watercraft. Boat insurance covers collisions, property, and bodily damage, and theft. Additional coverage can be purchased for medical payments, fishing equipment, and oil spills, among other options.
RV Insurance
RV insurance covers you from excessive financial loss in the event of an RV accident, including property and bodily damage to you or other motorists. RV insurance is a separate policy from car insurance. Additional coverage options can include campsite and vacation coverage and full-timer coverage if you plan to live in your RV as your full-time residence for a period of time. Without this type of insurance, you can be faced with extensive financial burdens to repair or replace your RV while traveling.
High Value Home or Renters Insurance
High-value home insurance is one of the most comprehensive types of insurance available and is tailored to provide coverage for homes with special design elements and other features, homes that were designed by an architect or decorated by an interior designer, or homes that have historical significance.The same is true for high-value apartments or condos being rented. This type of insurance can also cover high-value art, rugs, jewelry, and other special items, like antiques, that are stored inside the house. High-value home insurance can be beneficial even for homes that are modest but older or historic so contact us to see if your home is eligible.
