Real Estate Umbrella Program

No matter the type of real estate property you own, a comprehensive insurance plan can be — and if we take a long-term approach, likely WILL BE — the difference between financial success and failure.

In today’s litigation-happy climate, you can never be overly insured, especially when your residential or commercial building accommodates a multitude of people on an everyday basis. From shopping centers to high-rise apartments, industrial warehouses to office buildings, Fenimore Insurance specializes in custom-tailored umbrella packages designed to protect your property and its unique insurance needs. If you’re looking for added liability protection with maximum limits, we have the insight and expertise your fiscal security calls for.

The following properties are eligible for our custom policy program:​

  • Hotels
  • Apartments & Buildings
  • Residential & Commercial Condominiums
  • Townhouses & HOA
  • Senior Housing
  • Student Housing
  • Strip Malls & Shopping Complexes
  • Indoor Shopping Malls
  • Stand Alone Commercial
  • Light Industrial
  • Warehouses
  • Office Buildings

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Why Fenimore

What is the worst-case scenario?
Take your pick:

Real estate umbrella insurance provides additional coverage for certain liability claims. Real estate umbrella insurance also can extend beyond actual policyholders to provide coverage for other household/family members. But without this type of valuable safety net, all bets are off. Say your pet runs out the door and attacks or bites a visitor to your home; or while you are away your teen throws a house party at which someone gets sick, or drunk — or, god forbid, worse; or if you send, with your child, food made in your home to be served at school or at a birthday celebration and everyone who eats it becomes ill…You could be, without the benefits of real estate umbrella coverage, on the hook with very little wiggle room.

Moreso, failure to procure appropriate real estate umbrella coverage can lead you straight down the path to financial hardship or ruin. With real estate umbrella coverage, you can be protected — in the event of damages awarded against you — over and above the personal liability limit on your homeowners insurance. But without umbrella coverage — in this day and age, with lawsuits as common as butter on toast — you could be staring into the sun. If someone slips and falls at your pool party, resulting in a $800,000 judgement against you — and the personal liability on your homeowners insurance maxes out at $200,000 — then you are, simply stated, looking at a $600,000 hole that is going to take awhile to fill.

Our comprehensive Real Estate Umbrella policy program options include:

  • Minimum to Maximum Limits
  • Broad Named
  • Personal Injury
  • Property Damage
  • Crisis Response
  • Assault & Battery
  • Auto Liability
  • Punitive Damages
  • Slander, Libel, Advertising
  • Physical & Sexual Abuse
  • Liquor Liability
  • Firearms Liability
  • Animal Liability


These represent a few of our available comprehensive Real Estate Umbrella policy features.
Contact Fenimore Insurance today for more information about supplementing your residential or commercial policy.

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