Personal Umbrella Policies


An umbrella policy provides additional liability coverage that extends beyond your primary policies. It helps add an additional layer of protection from major claims or lawsuits.

Most carriers start umbrella coverage at a $1 million limit and you can increase from there. Most carriers will require your primary auto and home policies to carry higher liability limits in order to qualify for an umbrella. Stand-alone umbrellas are an option but are usually higher in premiums. We advise that you strongly consider an umbrella policy if one or more of the following applies to you:

  • Youthful operators in home
  • Own your home- no mortgage
  • Own any rental properties occupied by individuals
  • Have significant assets
  • Own a watercraft /ATV’s
  • Swimming pool

How Does a Personal Umbrella Policy Help Woodstock Residents

As an example, let’s say you carry $300,000 in auto liability coverage. You suffer an at-fault accident with multiple vehicles that totals $600,000 in damage/injuries. If you had an umbrella policy, it would kick in to cover the $300,000 that won’t be covered by the auto policy. 

We are here to protect Woodstock residents and all of Georgia from as many uncovered loss situations as possible. Give us a call if you wish to learn more about an umbrella policy.

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Years in Business

Clients Served

Years of Experience

Our Story

Mountain Lakes Insurance opened its doors in 2009. Owners Erwin Dykstra & Jeff Nevison were former agency owners with a captive carrier but had a calling to create their own brand of customer service and experience. Our vision is to be the most valued and respected insurance agency in our community by providing trustworthy advice, reliable service, professionalism and friendliness to everyone we meet.

Our incredible team of agents has over 79 years combined experience. We strive to go beyond the basics and engage with our clients on a personal level. We provide highly rated carriers that offer our clients the best coverage protection and claims service.

After 10 years, we still strive above all else, to provide exceptional value through knowledge and transparency. We are committed to serving our clients, community, and team members with integrity and compassion.

Our dedication isn’t just to our clients. Woodstock is where we call home and we’re proud to be involved through the Cherokee Chamber, IN WDSTK, Woodstock Christian Business Network and our local churches. We are also members of Independent Insurance Agents of Georgia (I.I.A.G) and Trusted Choice.

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"I have been with Mountain Lakes Insurance going on 3 years now and they are great! Great customer service and best deal I could find for insurance! Look no further!"

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We aren’t just your insurance agent, we’re your neighbor, friend, and supporter. Our dedication goes beyond a policy, we want to assist you personally and professionally in any way we can. Everyone’s story is different, and we want to know yours.