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Umbrella Insurance
Extra Protection for Life’s Unexpected Accidents
Life is full of surprises—and sometimes your standard insurance just isn’t enough. That’s where umbrella insurance comes in. At The Rivertown Agency in Columbus, GA, we help individuals and families across Georgia and Alabama get the affordable extra coverage they need to stay protected from major claims and lawsuits.
What is Umbrella Insurance?
Umbrella insurance is extra liability coverage that goes beyond the limits of your auto, home, or boat insurance policies. If something big happens—like a serious car accident or someone getting injured on your property—your regular policy might not cover everything. That’s where umbrella insurance steps in.
It helps cover large claims, legal fees, and damages when your basic insurance maxes out. It also protects you in situations not always included in standard policies.
What Does Umbrella Insurance
Typically Cover?
Umbrella insurance gives you broad protection for:
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Major Auto Accidents
If you're in a serious car crash with high medical or repair costs caused to others.
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Personal Liability
If someone slips, falls, or gets hurt at your home—and sues you for damages.
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Legal Expenses
Protects you from legal costs if you're sued over something.
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Large Judgments
If a lawsuit results in a judgment higher than what your existing insurance covers, your umbrella policy kicks in.
Why Choose The Rivertown Agency?
✅ Based in Columbus, Georgia
✅ Serving Georgia and Alabama residents
✅ Affordable umbrella policy options
✅ Personalized support and local service
✅ Protects your savings, home, and future from high-cost lawsuits
Ready for Total Peace of Mind?
Let us help you fill the gaps in your current coverage and protect what matters most.
(706) 530-0606
3100 Gentian Blvd, ​Suite 18B
Columbus, GA 31907​
Disclaimer: The information provided on this website is for general informational purposes only and is not intended to serve as legal, financial, or insurance advice. Coverage descriptions and policy features mentioned are broad summaries used to help explain general insurance concepts and may not apply to all policies or clients. Coverage availability, limits, exclusions, and conditions vary by insurance carrier and individual policy. Statements made are general in nature and are intended to simplify coverage explanations. Always refer to your individual insurance policy for specific terms, conditions, coverage limits, and exclusions. If you have questions about your coverage, please contact your licensed insurance agent.