Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.
Umbrella Insurance; Extra Liability Protection for Life's Unexpected Risks
Coverage Above Home and Auto Limits
A personal umbrella policy provides an additional layer of liability-typically starting at $1 million-over your home, auto, and other eligible policy limits. Bowerman Insurance Agency helps families choose
umbrella insurance to protect assets and future earnings from large claims or lawsuits.
When Big Claims Exceed Base Limits
If a serious auto accident or a severe injury at your property exhausts your
underlying limits, the umbrella can step in with its higher limits. We'll confirm required base limits on your
auto and
home and make sure all eligible policies (like
boat or
recreational vehicles) are listed so your protection stacks properly.
More To Protect, More To Consider
Teen drivers at home, a swimming pool, frequent hosting, volunteer coaching, rental properties, or significant savings are all reasons to look at an umbrella. Even if you don't consider yourself "high net worth," the extra limit is often surprisingly affordable for the protection it adds.
Broader Liability and Peace of Mind
An umbrella insurance policy works exactly as the name describes. It helps protect you from large and potentially devastating, or catastrophic liability claims or judgments.
Clear Answers for Umbrella Coverage
How much umbrella should I carry?
It depends on your assets, income, and risk exposure; we can show you several options.
Does a personal umbrella cover business?
No-business activities require separate coverage; ask about commercial options.
What are the underlying requirements?
Carriers set minimum limits on auto and home; we'll make sure you meet them.