Additional Insurance
More Protection for Life’s Unexpected Moments
Standard insurance provides a strong foundation, but additional coverage can help protect against risks your primary policies may not fully address. From umbrella liability and valuable items coverage to travel, cyber, and other specialized protection, these options can add another layer of financial security when you need it most.
Additional Insurance Options
Explore supplemental coverage designed to strengthen your protection and help fill important gaps in your existing policies.
Umbrella
Life
Travel
Overseas
Identity Protection
Pet
Mobile Device Protection
Jewelry
Event
Bicycle
What is Additional Insurance?
Additional insurance provides extra protection beyond the limits or coverage included in your standard policies. Depending on your needs, it may offer higher liability limits, protection for valuable property, or specialized coverage for risks such as travel disruptions, cyber incidents, and other unexpected events. Adding the right supplemental coverage can help create a more complete insurance plan and provide greater confidence in your overall protection.
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Umbrella – Extra liability coverage.
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High-Value Items – Added protection for jewelry, art, and collectibles.
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Travel Security – Insurance for cancellations, delays, and emergencies.
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Identity Protection – Helps recover from identity theft and fraud.
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Pet Insurance Add-On – Coverage for unexpected veterinary expenses.
Go Beyond the Basics
Unexpected events can expose gaps in standard coverage. Our additional insurance options help strengthen your protection, safeguard valuable assets, and provide added financial security when life takes an unexpected turn.
Get A Quote
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Frequently asked questions
Additional insurance refers to extra coverage options that extend beyond standard policies, such as umbrella liability, identity theft protection, or coverage for high-value personal items.
It depends on your situation. If you have significant assets, travel often, or own high-value items, additional insurance can provide essential protection against gaps in coverage.
Common types include umbrella insurance, personal article floaters, identity theft protection, travel insurance, and pet insurance.
Umbrella insurance adds an extra layer of liability protection on top of your auto, home, or renters insurance, in case a claim exceeds your primary policy limits.
Most home or renters policies have limited coverage for high-value items. A personal article policy can ensure full protection.
Yes, specialized endorsements or business riders can extend coverage to business equipment used in your residence.
Costs vary based on the type of coverage, value of the items being insured, and your personal risk profile. Many options are surprisingly affordable.
In many cases, you can add endorsements or riders to your current policy without needing to purchase a separate policy.
Yes, umbrella policies and supplemental endorsements can protect against exclusions or claims that exceed your regular policy limits.
A licensed insurance agent can evaluate your current coverage and lifestyle to recommend the right add-ons to ensure complete protection.