Greater Peace of Mind with Floater and Umbrella Insurance

umbrella home and auto coverage

With your customized home and auto insurance policies, you’re covered under most of the common, and some uncommon, possibilities of injury and damaged or lost property. Still, real peace of mind rests in knowing that, in the events you might not have thought of, or in situations where your main insurance policies won’t suffice, you’re still protected with an umbrella insurance and/or floater insurance. Both umbrella and floater’s insurance provide additional coverage outside of a typical insurance plan, and the independent agents at Jeff Van Matre Insurance Agency can help you determine which, and what amount, of the two you might benefit most from.

Coverage Under Umbrella Insurance

They say that when it rains, it pours, and aptly-named umbrella insurance is your protection when the situation exceeds the limits of your home or auto coverage. Like a backup plan, umbrella coverage usually kicks in when there are gray areas of your main insurance coverage, or if the damage caused is more than what your insurance covers.

The Point of Floater Insurance

Unlike umbrella insurance, which offers general protection against unforeseen events, floater insurance provides the full replacement value of specific, high-value items in your home at an agreed-upon value. If your most treasured possessions are stolen, lost, or damaged, floater insurance will help you replace them without affecting your main policy, and without devastating your finances.

Find the Policy That Suits You Best

Your life, values, and possessions are unique, and so are your insurance needs. While umbrella insurance is almost always a good idea, the amount of coverage depends on your specific needs and preferences. Floaters insurance is typically reserved for the items that you would hate most to lose, such as a coin, card, music, or art collection, jewelry, antiques, and rare documents. As independent agents, we can custom build your policy to include anything you wish, without anything extra that you don’t need.


With over 20 years of experience in the insurance industry, Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, visit us online or call our office today at 972-492-8500.