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Umbrella Policy

Life happens and people get sued. It’s that simple. What do you stand to lose?

Your liability exposures can ultimately expose your assets to a law suit. Without a crystal ball you don’t know what tomorrow will bring, but an umbrella policy from FIFS can give you the peace of mind that your assets will be protected no matter what’s around the next bend.

If any of these describe you, a personal umbrella policy should be considered:

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Own a home

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Have children living in your home

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In a high profile or target occupation

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Serve on a Board of Directors

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A business owner

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Have a high net worth

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Own a seasonal or rental property

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Retired or nearing retirement

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Ride recreational vehicles

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Operate a boat

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Umbrella Policy FAQs

What is covered by an umbrella policy?

An umbrella policy is liability insurance. If there is an accident, people are injured, and the damages are more than the coverage on your homeowners or personal auto policy; the umbrella provides an additional layer of coverage.

Does the umbrella only apply to personal auto and homeowners accidents?

What is included depends on which policies you choose. If you have personal auto and homeowners policies, they are required to be included with the umbrella. If you have other policies (i.e. motorcycle, travel trailer, snowmobile, etc.) you decide whether to include them under the umbrella policy.

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“We couldn’t ask for anything more..."

They are experts in their field. They provide efficient, proactive, knowledgeable advice. And they work hard on our behalf. We couldn’t ask for anything more and I would highly recommend them for all your personal and business insurance needs.

Jessica M.
Telford

“A great community asset!"

I appreciate the expertise that FIFS provides in aligning product offering with what I actually need. I especially appreciate the professionalism and kind approach from their staff. They are a great community asset!

Robin L.
Perkasie

“The best at what they do!"

FIFS has been our church’s insurance connection for as long as I’ve worked here, 17 years. They have been there for every need, question and problem that we have had. They have responded to all issues with calmness, quick answers and clear guidance.

Leslie R.
Telford

“Second to none!"

FIFS service and personal attention is second to none! It is a pure pleasure dealing with Joanne for our business insurance and my homeowners insurance is always burden-free due to the knowledgeable staff.

Tim M.
Souderton

“...an A+ for their service..."

The strengths of FIFS are their staff and personal service. They are always quick to respond to phone calls or email. They go above and beyond what other companies might do. I would give FIFS an A+ for their service and expertise.

Cheryl O.
Spring Hill Realty

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