Extra Protection for Life’s “What Ifs”
Sometimes, standard insurance isn’t enough. That’s where umbrella insurance comes in. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we offer personal umbrella policies that provide extra liability protection beyond the limits of your home, auto, or renters coverage. It’s affordable peace of mind that helps shield your finances from large claims or lawsuits—because life doesn’t always go according to plan.
When life goes sideways, an umbrella policy helps keep you covered.
What is umbrella insurance, exactly?
It’s extra liability coverage that kicks in after you exceed the limits of your existing auto, homeowners, or other personal policies.
Who needs umbrella coverage?
Anyone who wants added protection from lawsuits or high-cost liability claims—especially homeowners, landlords, or families with teen drivers.
What does umbrella insurance cover?
It typically covers bodily injury, property damage liability, legal defense costs, and even claims like libel or slander that aren’t always included in standard policies.
Is umbrella insurance expensive?
Not at all. Considering the coverage limits (often $1 million+), umbrella policies are surprisingly affordable.
Affordable Protection With Broad Reach
An umbrella policy can safeguard your savings, assets, and future earnings if you're held responsible for a costly accident or claim. Whether it's a major auto accident or an injury on your property, that extra layer of protection can make all the difference.
Straight Talk, Smart Coverage
We’re here to make insurance simple, not stressful. Our agents take the time to explain what umbrella insurance does—and how it fits into your broader protection plan. We’ll help you assess your risk, compare carriers, and decide whether extra coverage makes sense for your lifestyle.