Umbrella
Liability for everything you own.
Is this something that you need? Here’s an example:
On an icy day you accidentally slide through a stop sign and cause harm to someone. Your Auto policy has a liability limit of $100,000 BUT they sue you for $500,000. If they win you are responsible to pay that remaining $400,000 out of your pocket (or via garnished wages, or your retirement savings). An umbrella policy would cover the full $400,000 and your legal fees.
How much will it cost?
Another example:
Two mature drivers with good driving records, three vehicles, and one home will pay between $150-$200 a year. Add an RV or motor home and it is roughly $250-$350 per year. Umbrella policies are most commonly range from one to five million dollars. We can help you determine what coverage is right for your situation.
Reach out to us today so we can help you find the policy that matches your needs.
Annuities
Steady income for a secure retirement.
Annuities are financial products designed to provide a steady income stream, typically for retirement. They are offered by insurance companies and serve as a way to ensure you don't outlive your savings. ​
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An annuity is a contract between you and an insurance company. You make a payment ( or series of payments) to the insurer, and in return the insurer agrees to provide regular income payments either immediately or at a future date.
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Annuities are particularly useful if:
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You're looking for a stable income during retirement.
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You want to diversify your retirement portfolio.
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You need a reliable way to protect your savings from market volatility.
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There are many types of annuity packages. At Tree Top Insurance, we help you find the annuity plan that aligns with your financial goals and protects the life you've built.
Protecting what you've grown
Our Tree Top Agents will help you find the best rate for your policy, AND make sure you're covered in all the ways that matter.