Umbrella Insurance


Life is uncertain. Umbrella coverage can help protect you against personal liabilities that could drain a substantial portion of your assets and future earnings. A small insurance premium can prevent a large loss to your financial standing.


Extended liability protection in the form of higher coverage limits.

Coverage for most types of accidents.

Legal defense fees.

Bodily injury and property damage in an accident that exceeds your auto liability limit.

Bodily injury in the event of an accident on your property in excess of your homeowners liability limits.

Covered libel or slander judgments.


Main Street America’s personal umbrella policy goes beyond our basic homeowners and personal auto policies, providing an extra layer of protection. Umbrella insurance is available in $1 million increments up to $5 million.

It includes greater liability coverages for automobiles, personal watercraft, motorcycles, recreational vehicles, motor homes and renters. 

Have peace of mind knowing your family’s assets are protected in the event of one of the following.

Real-Life Scenarios of Why You Need Umbrella Coverage

  • You drive down a busy street and accidentally injure a pedestrian. Medical costs, lost earnings and damages amount to millions.
  • While entertaining at home, a neighbor slips and fractures their skull. Damages are several hundred thousand dollars.
  • A teenage guest at a pool party dives unknowingly into the shallow end of your pool and suffers devastating paralysis. Injury costs amount to millions.

Why Choose Us

The Main Street America Group was founded in 1923 in Keene, N.H., when the Grange Fraternity created an entity to provide affordable auto liability insurance to Grange Fraternity members. 


Today, Main Street America provides personal lines and commercial lines insurance to “Main Street” individuals, families, and small businesses, as well as fidelity bonds and surety bonds


Our products are offered exclusively through independent insurance agents. We believe that independent agents offer the best value when shopping for insurance because they represent many companies and can find the best combination of coverage, price, and service.


Main Street America’s products and services are backed by financial strength. We write over $1 billion in premium annually and carry an “A” (“Excellent”) Financial Strength Rating and “a+” Issuer Credit Rating from A.M. Best, the insurance industry’s premier rating organization.