Personal Umbrella Insurance in Poland, OH
An umbrella policy adds an extra layer of liability protection on top of your home and auto insurance, usually in $1 million increments. For the amount of protection it provides, it’s one of the best values in insurance.
How an Umbrella Works
Your auto and home policies each have liability limits. If a serious accident leads to a judgment larger than those limits, you could be personally responsible for the difference. An umbrella policy steps in after your underlying limits are used up, and it can also help pay for your legal defense.
Umbrella carriers usually require certain limits on your underlying policies, such as 250/500 auto liability. That’s the level we already recommend for most families, so adding an umbrella is often a simple next step.
What an Umbrella Can Cover
Bodily Injury
Injuries to others above your home or auto liability limits, such as a serious car accident.
Property Damage
Damage you cause to someone else’s property beyond your underlying limits.
Legal Defense
Attorney and court costs for covered claims, which can be significant on their own.
Personal Injury
Many policies also cover claims like libel, slander and defamation.
Who Should Consider an Umbrella
- Families with teen drivers. Young drivers raise the chance of a serious accident.
- Homes with extra risk. Pools, trampolines, dogs, ATVs, boats and frequent guests.
- Rental property owners. Extend liability protection over your rentals.
- Farm families. A farm umbrella can sit over your farm liability and vehicles.
- Anyone with something to protect. Your home, savings and future earnings can all be at stake in a large lawsuit.
Carriers We Work With
As an independent agency, we compare coverage and price across multiple insurance companies, including:
Add a layer of protection
Ask us to price an umbrella during your home and auto review. Most people are surprised by how affordable it is.
Call 234-254-5660Request a Call BackFrequently Asked Questions
How much umbrella coverage do I need?
Many families start with $1 million. If you have more to protect, or higher-risk activities like teen drivers, rentals or a pool, higher limits may make sense. We’ll help you decide.
Does a personal umbrella cover my business?
Generally no. Personal umbrellas usually exclude business activities. A commercial umbrella is a separate policy for business liability.
Do my home and auto need to be with the same company?
Not always, but umbrella carriers have underlying limit requirements, and many offer better pricing when your policies are written together.
Is umbrella insurance expensive?
Usually not, compared to the protection it provides. Your price depends on things like the number of drivers, vehicles and properties.
Coverage, discounts and availability vary by carrier and are subject to underwriting. This page is general information, not a policy contract.