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Umbrella

Extra Protection for Life’s Uncertainties

Life is full of unexpected moments, and sometimes your standard insurance policies aren’t enough to cover the costs. That’s where Umbrella Insurance steps in, providing an added layer of financial protection when you need it most.

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Extended Liability Coverage

If you're involved in a major accident or lawsuit, umbrella insurance can cover damages and legal expenses that exceed the limits of your standard policy.

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Protection Against Lawsuits

Whether it's a personal injury case or property damage claim, umbrella insurance provides coverage for legal fees and settlements that could otherwise impact your finances.

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Safeguarding Your Assets

With umbrella insurance, your savings, home, and other valuable assets are protected from being used to pay large claims.

Meet your Umbrella Team

The Hanford Difference

OPEN COMMUNICATION

We believe in straightforward conversations that keep you informed and empowered. Our team is here to answer questions and explain your options clearly, so you always feel confident in your coverage.

Relationships Built on Trust


At Hanford, you're more than just a policy number. We take the time to get to know you and understand your needs, building a personal connection that ensures you're genuinely cared for.

Value-Driven Options


With access to multiple providers, we work to find you the best coverage at the most competitive rates. Our goal is to secure top-notch protection that balances quality and affordability.

Rooted in community

As a small town company, we’re invested in making our community safer and stronger. Our service goes beyond insurance, reflecting a shared commitment to support and uplift the neighborhoods we call home.

Affordable Peace of Mind

Many people are surprised to learn how affordable umbrella insurance can be. For just a small additional premium, you can gain millions of dollars in coverage, ensuring you’re financially secure no matter what life throws your way.

Umbrella Insurance FAQS

Umbrella insurance provides additional liability coverage beyond the limits of your standard policies, such as auto, homeowners, or renters insurance. It also covers unique situations like libel, slander, and false arrest, which are typically not included in standard insurance policies.

The amount of coverage depends on your personal financial situation and risk exposure. Factors like your total assets, income, and potential liability risks (e.g., owning rental properties, hosting large events, or having certain hobbies) should guide your decision. Our agents at Hanford Insurance can help you determine the right amount of coverage for your needs.

No, umbrella insurance is surprisingly affordable for the level of coverage it provides. For just a small additional premium, you can add millions of dollars in extra protection, making it a cost-effective way to safeguard your financial future.

Yes, in most cases, umbrella insurance requires underlying liability coverage on your auto or homeowners policy. Our team at Hanford Insurance can help you bundle your policies and ensure all requirements are met for umbrella coverage.