Catastrophe & Umbrella Insurance

Extra Protection When You Need It Most

Some risks are too big for a basic policy to handle—and that's where catastrophe insurance and umbrella insurance come in. We help folks across Ripley, Parkersburg, Charleston & surrounding towns make sure they’re covered when the unexpected hits hard.



If you’re worried about flooding, storms, earthquakes, or just want extra liability protection across your home, auto & rental properties—we’ll make it simple.

A black and white icon of a house surrounded by water and a check mark.

Flood Insurance

Most homeowners insurance policies don’t cover flooding—and around here, heavy rain and rising water aren’t rare. We help you meet flood insurance requirements with coverage from trusted flood insurance providers, protecting your home, belongings, and wallet from major water damage.

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Earthquake Insurance

Think earthquake insurance is only for California? Think again. Small quakes can (and do) happen in West Virginia, and they’re usually not covered by standard policies. Earthquake insurance offers peace of mind, especially if your home has a basement or older construction.

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Windstorm Insurance

Big storms mean big risks—especially high winds that can tear off roofs, smash windows, or knock down trees. Windstorm insurance helps cover damages from those powerful gusts that regular homeowners policies might not fully pay for.

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Umbrella Insurance

An umbrella insurance policy adds an extra layer of protection over your home, auto, and rental property policies. If a major claim maxes out your regular coverage, umbrella insurance kicks in to help protect your finances and your future. It's affordable and smart—especially for landlords, parents of teen drivers, or anyone with big assets to protect.

A family is standing under an umbrella in the rain.

How We Help

Most people don’t realize where their standard insurance leaves off—and we’re here to fill in the gaps. We'll explain your current coverage, show you where extra protection makes sense, and help you add what you need without overcomplicating things.

FAQ

  • Is flood insurance required if I have a mortgage?

    If you live in a designated flood zone, yes. Even if you don’t, it’s worth asking us about affordable flood insurance options.

  • How much does umbrella insurance cost?

    Surprisingly little—often less than a dollar a day for an extra million dollars of protection. We’ll show you the benefits and options.

  • Is windstorm damage covered by my regular homeowners policy?

    Sometimes, but it can be limited. We’ll review your current coverage and let you know if a separate windstorm policy makes sense.

  • Why would I need earthquake insurance in West Virginia?

    Because even minor quakes can cause serious (and expensive) structural damage—and standard home insurance usually won’t pay for it.