Extra Protection for When Life Gets Messy
Accidents happen. Sometimes they’re minor—and sometimes they’re the kind that cost way more than what your auto, RV, or homeowners policy will cover. That’s where umbrella insurance steps in.
At Twin Peaks, we help protect your savings, home, business, and lifestyle from unexpected legal and liability costs with personal umbrella policies that sit on top of your existing coverage.
How does umbrella insurance work?
Let’s say you’re in an at-fault accident and the damages total $600,000—but your auto policy only covers $300,000. Your umbrella policy could step in and cover the remaining amount, so you’re not paying out of pocket or dipping into your retirement.
Who needs an umbrella policy?
✔️ RVers and full-timers who live on the road
✔️ People with multiple policies (RV, boat, motorcycle, auto, home)
✔️ Families with teen drivers
✔️ Property owners or landlords
✔️ Anyone with significant assets to protect
✔️ People who tow trailers or haul toys
✔️ Business owners who use personal vehicles
What does umbrella insurance cover?
✔️ Liability beyond your base policy limits
✔️ Bodily injury and property damage
✔️ Legal defense fees
✔️ Personal injury claims (libel, slander, defamation)
✔️ Coverage across most personal policies when bundled
Why Twin Peaks?
Because we don’t treat umbrella coverage like an upsell—we treat it like a smart decision. We’ll help you evaluate your current policies, find gaps, and decide if an umbrella policy makes sense for you. No pressure. Just protection.
Peace of mind is easier than you think.
Request Your Umbrella Insurance Quote »
Let us know what you have to protect, and we’ll help you protect it for real—with coverage that goes the extra mile when it matters most.