Umbrella Insurance in Avon, CT

Extra Protection for Life’s Unexpected Situations

Even the most carefully planned insurance policies have limits. When a serious accident or lawsuit exceeds those limits, umbrella insurance in Avon, CT provides an extra layer of financial protection—helping you safeguard your assets, your savings, and your peace of mind.

At D. M. Johnson Insurance Agency, we specialize in tailoring umbrella insurance policies to fit your lifestyle and financial goals. As a trusted umbrella insurance agency in Avon, CT, we help individuals, families, and businesses secure coverage that goes beyond the basics—so you’re protected no matter what life throws your way.

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Why Umbrella Insurance Matters

Many clients assume their home or auto insurance covers everything. Unfortunately, standard policies have liability limits—and when damages exceed those limits, you’re responsible for the difference.

Imagine these common scenarios:

  • A guest slips and falls on your property and sues for medical costs.

  • You cause a serious car accident involving multiple vehicles.

  • Your child’s actions lead to property damage or injury.

  • You’re held liable for defamation or an accident caused by your pet.

Without the right coverage, these situations can quickly become financially devastating. That’s where umbrella insurance coverage in Avon, CT steps in—offering added protection when your existing policies reach their limits.

Common Problems Clients Face

At D. M. Johnson Insurance, we often meet clients who face similar challenges, such as:

  • Uncertainty about what’s covered under their current policies.

  • Underestimating their liability risks until an unexpected claim occurs.

  • Not realizing how affordable umbrella coverage can be compared to the protection it offers.

As an experienced umbrella insurance broker in Avon, CT, we make it easy to understand your options and find the best policy for your needs. Our goal is to provide clarity, confidence, and peace of mind—without unnecessary costs or confusion.

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How Umbrella Insurance Works

Umbrella insurance acts as an added safeguard, extending beyond the limits of your existing home, auto, or business liability policies. For example, if you’re found responsible for an accident that results in $1 million in damages but your auto policy only covers $300,000, your umbrella policy would help cover the remaining $700,000 (up to your policy limit).

Our policies typically offer between $1 million and $5 million in additional liability coverage, ensuring your finances and future stay protected.

If you’re a business owner, we also provide commercial umbrella insurance in Avon, CT, which offers similar extended protection for your company’s liability exposures.

Why Choose D. M. Johnson Insurance Agency

We’re more than just an insurance provider—we’re your local advocate for protection and peace of mind. As one of the best umbrella insurance agencies in Avon, CT, we take pride in offering personal service and expert guidance for every client.

Here’s what sets us apart:

  • Tailored coverage designed around your assets and risk profile.

  • Access to top-rated carriers, ensuring reliable protection and competitive pricing.

  • Transparent advice from experienced agents who explain coverage in clear, simple terms.

  • Local service and support, from policy setup to claim assistance.

At D. M. Johnson Insurance, we take the time to understand your situation and recommend the right coverage—not just the most expensive one.

Umbrella Insurance
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Comprehensive Protection for You and Your Family

Our umbrella insurance in Avon, CT covers:

  • Bodily injury liability (medical expenses and legal fees)

  • Property damage liability (accidents or negligence)

  • Landlord liability (for rental properties)

  • Libel, slander, and defamation lawsuits

  • Legal defense costs beyond your primary policy limits

With D. M. Johnson Insurance, you can feel confident that one unexpected event won’t put your financial future at risk.

Talk to a Local Expert Today

At D. M. Johnson Insurance, we’re proud to be a trusted umbrella insurance company in Avon, CT, serving individuals, families, and businesses across the community. Whether you’re looking for personal or commercial umbrella insurance in Avon, CT, our team will guide you every step of the way.

Call 860-436-5339 today to speak with an agent or request a free quote. Discover why so many residents trust D. M. Johnson Insurance—the umbrella insurance agency Avon, CT clients rely on for honest advice, exceptional service, and comprehensive protection.

Would you be covered if…

Accidents happen. Are you prepared for the outcomes of the unexpected? Here are some questions to consider:

  • What would you do if your dog accidentally injured your neighbor’s child?
  • What if your mail carrier tripped over a crack in your driveway, resulting in injury and disability?
  • If an overgrown tree in your yard crashed through your neighbor’s roof, would you have the funds to cover repairs?
  • And what if you severely injured someone in a car crash?
  • No one expects to find themselves in these situations, but umbrella insurance can offer peace of mind when the unexpected occurs.

For more information about these Avon CT coverage options and how to include them in an umbrella insurance policy, please contact a D. M. Johnson Insurance Agency professional at 860-436-5339.