Georgia Umbrella Insurance
Personal Umbrella Liability Insurance
To get a better sense of what Umbrella insurance is and how it would work, it helps to think about it in action.
Say you’re held liable for causing a car accident with multiple vehicles, and the cost to cover the damages and injuries is $650,000. However, the liability limits on your Auto policy are only $500,000.
In this case, your insurance would pay only $500,000 for the entire accident, and you would be responsible for the remaining $150,000 out of your own pocket!
With a Personal Umbrella policy, however, you could extend your liability limits beyond the maximum provided by your underlying policies. In this case, an Umbrella policy would provide liability limits above the $500,000 limit of your Auto policy, up to the limit you choose for your Umbrella policy (typically anywhere from $1 million up to $5 million in coverage). In other words, you wouldn’t be left paying the remaining $150,000.
RV & Travel Trailer Insurance
Specailized Motor Home Insurance Coverage
Your RV is more than just an automobile and it needs more than standard car insurance.
Coverage Included With Your Policy
- Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.
- Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.
Optional Coverage
- Total Loss Replacement Coverage protects your motor home from the effects of depreciation. If your new-model motor home is destroyed within its first five years, we’ll pay to replace it with a brand new one of similar kind and quality – no matter what it costs. In years six through ten, we’ll give you up to what you paid for it originally toward the purchase of another motor home. This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value (ACV) of your motor home at the time it’s destroyed. ACV is the current value of your motor home.
- Emergency Expenses Coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
- Campsite/Vacation Liability Coverage provides liability coverage when you are parked and using your motor home as a residence.
- Replacement Cost Coverage on personal belongings that are destroyed or stolen.
- TraveLine® Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What’s more, your motor home is covered regardless of who is driving!
- Full-Timer Coverage provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are using your motor home as a vehicle, a Farmers Full-Timer policy covers you when you are parked and using your rig as a residence, too.
Off-Road Vehicle Insurance
Specialized Off-Road Vehicle insurance coverage
Covered vehicles include:
- Snowmobiles
- Dirt bikes
- Dune buggies
- Golf carts
- 3-wheel, 4-wheel and 6-wheel ATVs
- And more!
Types of coverage
- Collision Coverage
- Other Than Collision Coverage
- Liability Coverage
- Medical Payments Coverage
- Safety Apparel Coverage provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.
Optional coverage
- Increased limits on liability
- Optional Equipment Coverage including towable trailers or sleds made for use with an ATV or snowmobile
- Coverage on transport trailers valued up to $7,500
Off-Road Vehicle insurance discounts
- Multi-unit discounts of up to 10%
- Multi-policy discount
- Renewal discount for maintaining continuous coverage
- Safety course discount
- Discount for prior Off-Road Vehicle insurance