Umbrella Insurance

Add extra protection for the things you love most.

Create an extra layer of security by adding a personal umbrella insurance policy. This coverage is designed to fill in those gaps in coverage when your auto or home policy has reached its limit.

Umbrella insurance can provide liability coverage for:

  • A vehicle accident you caused
  • Injury or harm caused by your pet
  • Injury in your home
  • An accident or injury on your property

*Restrictions may apply. See the policy contract for details.

Our agents can review your needs and shop our trusted carriers for a policy that meets your expectations. If you are unsure if an umbrella policy is for you, please call our office at 434-296-7191, and we would be happy to answer your questions.

Request A Quote

Recreational Insurance FAQs

Who should consider recreational insurance?

Anyone who owns a motorhome, camper, boat, ATV, Jet Ski, or snowmobile may benefit from recreational insurance. A separate policy can help protect the vehicle and reduce out-of-pocket costs after certain accidents or losses.

Does recreational insurance cover repairs?

Collision or comprehensive coverage may help pay for repairs after a covered accident, storm, fire, theft, or other loss. The deductible and policy limits will affect how much the insurance company pays.

Can I ensure a motorhome I live in full-time?

Yes, but a motorhome used as a full-time residence may require different coverage than an RV used mainly for vacations. Full-time RV insurance may include additional options for liability, personal belongings, and living expenses.

Does camper insurance cover fire damage?

Camper insurance with comprehensive coverage may help pay for damage caused by a covered fire. This protection may apply while the camper is being used, transported, or stored near Charlottesville, Virginia.

What is included in basic boat insurance?

A basic boat insurance policy may include liability, collision, comprehensive, and medical payments coverage. Optional protection may also be available for equipment, towing, or personal belongings.

Can ATV insurance cover theft from my property?

Comprehensive ATV coverage may help cover theft if your vehicle is stolen from your home, garage, trailer, or another approved storage area. Coverage is subject to the policy’s deductible and limits.

Do I need Jet Ski insurance if I only ride in summer?

Even seasonal Jet Ski owners can face risks such as accidents, theft, storm damage, or liability claims. Coverage can provide protection during the riding season and while the watercraft is stored.

Does snowmobile insurance cover damage to someone else’s property?

Snowmobile liability coverage may help pay if you accidentally damage another person’s vehicle, fence, building, or other property. Coverage requirements may vary throughout Virginia.

Can I change my recreational insurance coverage later?

Yes, recreational insurance coverage can usually be adjusted as your needs change. You may want to update the policy after adding equipment, changing storage locations, paying off a loan, or moving to Charlottesville, Virginia.

What should I compare when choosing recreational insurance?

Consider the coverage types, limits, deductibles, exclusions, discounts, and claims service offered by each company. Comparing several options can help you find protection that fits your vehicle and budget.

Hanckel-Citizens Insurance

Office Hours

  • 8:30am- 4:30pm Monday, Tuesday, and Thursday
  • 8:30am - 12:30pm Wednesday
  • 8:30am- 3:00pm Fridays
    (Closed for Lunch 1:00pm -2:00pm)

The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.