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Find out why the “M means more competitive rates” to homeowners and drivers by requesting an auto, home or farm insurance quote.
Auto Insurance
Policyholders often wonder if they have enough of the right auto insurance coverage.Homeowner’s Insurance
When choosing this necessity, Madison Mutual can assist you in determining how much and what kind of homeowner's insurance you need.Farmowner’s Insurance
Your farm is not just an asset – it’s your business and Madison Mutual's farmowner's insurance can provide you what you need most - peace of mind.Umbrella Insurance
You’ve worked hard for everything you have--Madison Mutual's Umbrella Insurance can protect those accomplishments.
Frequently Asked Questions about Umbrella Policies
Q: What is an Umbrella Liability Policy?
A: Your home, auto, farm or business policies cover you for certain risks and specific limits. But sometimes you might need more coverage than these policies can provide. An Umbrella policy is designed to protect you against a catastrophic lawsuit or judgment. It provides an additional layer of coverage over and above the liability coverage found in your primary insurance policies; policies like your home, auto, farm or business liability policies.
Q: Why do I need an Umbrella Liability policy?
A: An Umbrella policy can help to protect you from a potential financial catastrophe. In today's litigious society, it's not uncommon to hear about very large jury awards. An Umbrella policy can help to protect the assets that you’ve worked hard for and accumulated over the years.
Review the liability limits listed in your home, auto, farm or business policies - if a large judgment was awarded against you, how would you pay it?
Q: What does an Umbrella Liability policy cover?
A: An Umbrella liability policy covers you and your family or your business for most bodily injury, property damage and personal injury losses. Defense coverage is available for defending claims and suits, if coverages apply.
Q: What isn’t covered under an umbrella policy?
A: It’s important to know that things like intentional damage or damage that came from business or professional pursuits will not typically be covered by an umbrella insurance policy. If you accept liability under the terms of a contract or agreement or are liable for damage to your own property, it will not be covered. Liability related to the ownership, maintenance and use of aircraft, nontraditional watercraft and most recreational vehicles will also not be covered. Most policies exclude damage covered under a workers’ compensation policy or liability resulting from war or insurrection as well.
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Madison Mutual insurance is sold through independent agents, experienced in finding the right Madison Mutual policy for your needs.
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Use the online form to report a home or auto insurance claim day or night.
Type of Claim:Call 800-766-MMIC (6642)