Auto

Personal Umbrella

What is umbrella coverage in auto insurance?

What is umbrella insurance?

Umbrella insurance provides additional liability coverage — over and above the limits on your auto and other personal liability policies. This extra protection is available in $1 million increments up to $10 million. And $1 million of coverage can cost less than $1 a day.

It’s an affordable way to keep an extraordinary event from becoming a financial life-changer. Consider: The average jury award for auto accidents involving bodily injury and property damage exceeds $300,000. Liability awards for accidents in the home can be just as substantial.

Here are some of the ways an umbrella policy can help when covered events threaten your financial security:

Your son causes a car accident

While away at college, your 19-year-old son causes an accident that seriously injures a tech company’s top executives. Your auto insurance liability limits may not be high enough to cover their medical expenses and lost income while they recover.

Your injured guest needs ongoing care

A guest at the pool party you’re hosting slips on your diving board and falls onto a stone-paved deck. She’ll be okay — but will need back surgery and ongoing rehab. The cost of this care will exceed the limits of your homeowners policy.

Your injured friend can’t work

Your friend trips and falls over a toy left in the middle of a hallway by your young son. She won’t be able to work for some time, and the liability limits of your homeowners insurance may not be high enough to cover her medical bills and other compensation.

You flood your downstairs neighbor

You forget you left your bathtub running when you get distracted while checking for mail in your apartment building’s lobby. While you’re gone, the tub overflows — deluging your downstairs neighbor’s home office. Renter’s insurance won’t cover the full costs of damage to her property and business.

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Taxi

Loss Of Use

A flat sum given to cover the cost of transportation while your car is being repaired. It can be use
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Red Truck in snow

Comprehensive

Covering damage to car besides collision, such as hail or theft.
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Blue Car on road

Auto Liability

Covering the costs of damage to others and their property.
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Man with crutches

Personal Injury Protection

Helps you cover cost of medical rehabilitation no matter who’s at fault.
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Car with tires stripped and on curb

New Car Replacement

This coverage option gives you an agreed-upon sum for a car that is a total loss.
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Tow truck with car loaded on

Towing and Roadside Service

Covers costs of towing, also providing 24/7 roadside assistance for disabled vehicles.
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Broken Windshield

Glass Deductible Buyback

Covers cost of damaged windshields, glass repair, and replacement.
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Stack of Tires

Spare Parts Coverage

Policy covers costs of spare parts that were used because of damage.
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Jeep in desert

New Car Replacement Coverage

This coverage covers the cost to replace the same make and model of your damaged car.
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Rental Car Reimbursement CT

Rental Car Reimbursement

Covers cost of rental cars for 30 days while yours is repaired.
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Car Hit By Tree

Collision

Type of insurance covering collision with other vehicles, objects, and animals.
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Car Windshield

Full Windshield and Glass Coverage

This coverage offers a $0 deductible on glass repair, paying nothing out of pocket.
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Doctor with arms crossed

Medical Payments

Covers medical costs for passengers who have been injured in an accident, no matter who is at fault.
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Uber Driver in car

Rideshare

Protects drivers who work for rideshare companies such as Uber and Lyft.
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Car with damage on bumper

Accident Forgiveness

Coverage for this keeps your premium from going up. In addition, Farmers forgives one at-fault accid
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Car with damage

Uninsured

Covers losses by an uninsured driver.
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Wheel of Audi Car

Customized Equipment

Covers costs of custom parts such as wheels if damaged.
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Car bodies on manufactering line.

Original Equipment Manufacturer (OEM)

Coverage available on cars up to 10 years old.
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Thank you for your interest; please feel free to submit a quote request. If you have a question, feel free to ask! Please get in touch with us using the form below or e-mail or call us with any questions you might have.We look forward to working with you.

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Our Team

Mike Urgo - Urgo Agency Owner
Mike Urgo
A Rhode Island native and now a Connecticut resident, Mike Urgo is a highly qualified insurance agent with years of experience. He possesses a diverse background professionally and personally.
Lynn Belanger
Lynn is currently helping manage the operations of the office and is fully licensed in Connecticut Property and Casualty Insurance.
Kristin Wenzloff
Kristin Wenzloff is a 6-year veteran of Farmers Insurance. Kristin is very familiar with all of our central Connecticut customers and is happy to help all of our clientele at any time.

Meet our Clients

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"Exceptional customer service.  Called me back the next day with a quote.  Staff and Mike Urgo are kind, professional and ask the right questions to help clients save money while still protecting your home and vehicle with excellent insurance coverage.  Highly recommended."

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Attorney | Faulkner & Graves, PC

“Mike Urgo and the staff with Urgo Agency are amazing. Not only do they spend a lot of time giving back to our community, they are completely about educating us as consumers. He is honest (for example if the existing policy you have is good, he’ll tell you), educated in the insurance field and caring towards your family needs.   Thank you for a great experience!”

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"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

"Mike was unbelievable! He was extremely friendly, quick and very knowledgeable. He saved me $700 a year! I would highly recommend Mike Urgo for your insurance needs!"

"Mike and his team are consummate professionals with an honest and consultative approach. Would highly recommend him for any of your insurance needs."

"Trustworthy agent who really cares about his business."