Umbrella Insurance

Extra Protection When You Need It Most

Sometimes, standard insurance policies like home or auto just aren’t enough. That’s where umbrella insurance comes in. At Charniak Insurance Agency, we offer umbrella coverage that provides an extra layer of protection beyond your existing policies. If a major accident or lawsuit exceeds your regular liability limits, umbrella insurance steps in to cover the rest—helping protect your savings, home, and future from large, unexpected costs.

safeguard everything you've worked for

Beyond Standard Limits

Umbrella insurance kicks in when your home or auto policy limits are used up, giving you added financial protection.

Covers Legal Costs

It helps cover legal fees, damages, and other expenses if you’re involved in a serious accident or lawsuit.

Affordable Peace of Mind

For a small cost, you get big coverage, ensuring you’re not left paying out of pocket for major claims.

We Help You Choose

Not sure if you need umbrella coverage? We’ll guide you through the options and find what fits best.

Affordable, Wide-Ranging Coverage

Umbrella insurance covers more than just big claims. It extends to personal liability situations not always included in your standard policies, such as libel, slander, or false arrest. It’s an affordable way to ensure you’re fully covered, no matter what life throws at you. Our team helps you understand how much coverage you need and finds the best policy to safeguard everything you’ve worked for.