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Umbrella Insurance



The more you have, the more you have to protect from lawsuits. Umbrellas offer a plan for the unexpected.

An umbrella policy provides higher limits of liability for bodily injury and property damage, as well as legal defense costs, over your underlying home, auto, boat or other personal insurance policies. It also protects you against nonbusiness-related personal injury liabilities, such as libel, slander, wrongful eviction or false arrest.

Own a home? Entertain? Have pets?

Have a young driver?

Own a recreational vehicle or boat?

Spend time behind the wheel?

Speak your mind at homeowner’s association meetings?

Serve on a nonprofit board?

If you answered "yes" to any of these questions above, ask Martin & Zerfoss if an umbrella policy is right for you and your family’s personal protection.



This website provides a basic summary of the insurance products offered by Martin & Zerfoss. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.


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