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Our approach
Your homeowners and auto policies have liability limits. Most people don't think about those limits until a claim lands that exceeds them. A car accident with serious injuries. A guest who falls at your home. A dog bite at the park. When the judgment is bigger than your policy, the rest comes out of your pocket: your savings account, your home equity, your retirement, even future wages.
A personal umbrella is one of the simplest and least expensive ways to close that gap. For most Idaho families, a million dollars of extra protection costs somewhere around $200 to $400 a year. We help you figure out the right amount based on what you actually own and what you'd actually lose in a worst-case scenario, then we make sure your home, auto, and umbrella all work together with no gaps between them.
coverage
Excess auto liability
If you cause a serious accident and the other driver's medical bills exceed your auto policy limits, your umbrella picks up the difference. Car accidents are the most common trigger for umbrella claims, and medical costs add up fast.
Excess homeowners liability
A guest is injured at your house. A neighbor's kid gets hurt on your trampoline. Your tree falls on someone's car. When claims exceed your homeowners liability limit, the umbrella covers what's left so your family's assets stay protected.
Personal injury claims
Many umbrella policies cover claims your home and auto policies don't touch at all: libel, slander, defamation, wrongful eviction, false arrest. If someone sues you over something you said or did, the umbrella can respond.
Legal defense costs
Even if you win, defending a lawsuit costs money. Your umbrella pays attorney fees, court costs, and expert witnesses above your underlying policy limits. That alone can be worth the premium.
Watercraft and rec vehicle coverage
If you have a boat on Lucky Peak, a side-by-side in the desert, or a snowmobile in McCall, your umbrella extends over those policies too. One liability layer covering everything you own.
Worldwide protection
Your umbrella travels with you. A rental car accident in California, a slip-and-fall at your vacation rental in Mexico. Coverage applies wherever you go, not just in Idaho.
We look at the whole picture
Home equity, savings, investments, retirement accounts, and anything else a lawsuit could reach. That's how we figure out how much umbrella you need.
We align everything underneath
Your home and auto limits need to meet the umbrella carrier's minimums. We adjust those first so there's no gap between where your primary policies stop and your umbrella starts.
We check in as your life changes
Bought a house. Added a boat. Kids started driving. Your exposure changes, and your umbrella should keep pace.
The cheapest policy you own might be the most important one.
A million dollars of umbrella protection costs less than most people spend on coffee in a year. It sits quietly behind your other policies, and you hope you never need it. But if you do, it's the difference between a bad day and a devastating one.
What Business Owners Ask Us Most
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Let's see what an umbrella costs for your family.
We'll review your home and auto setup, figure out the right amount, and quote it across our carriers. Most people are surprised how affordable it is.
We'll be in touch within 24 hours. That's not aspirational. It's a guarantee.
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