Umbrella Liability Insurance
Umbrella liability insurance is aptly named because it acts like an umbrella, above and beyond your auto and homeowner's liability policies to provide extra protection.

Some examples of where umbrella coverage often comes into play: 

  • An auto accident in which you’re sued under your auto insurance policy 
  • Your neighbor slips and falls on your property and you’re sued under your homeowner's insurance 
  • A natural disaster in which another person's property is damaged by a tree falling from your property 

Valuable Items Insurance
An item or collection of items worth $2,500 or more should be insured.

Examples of such valuable items are musical instruments, furs, jewelry, antiques, collectibles, wine, or fine art.  

Your homeowner’s insurance policy, which covers your personal property, has limits on how much it will pay for certain kinds of pricey items.  If you want to make sure that your valuables are covered, you may need to take out a separate policy for items like the ones listed above. 

Your trusted advisors at Tompkins Insurance Agencies can help you identify coverage options to protect you from the unexpected.  Click here to request more information on the insurance services above. 


Insurance products are not insured by the FDIC or any federal government agency, not deposits or obligations of the bank or its affiliates, not guaranteed by the bank or its affiliates, and subject to investment risk, including possible loss of principal.