Umbrella insurance is coverage beyond the liability limits on your existing policies. Discover what it costs and whether it’s right for you.
A Personal Umbrella Policy is a low-cost insurance policy that provides excess liability coverage above and beyond the limits of the liability coverage on your personal auto and homeowners policies...
Learn more about the benefits of a personal umbrella insurance policy. Umbrella insurance can provide an extra level of security for your family when medical, legal, and property damages extend beyond what your home and auto policies cover. It kicks in at higher dollar levels and also extends to special situations involving pets, lawsuits, and foreign travel. Wondering whether or not umbrella insurance is right for you? Here are a few examples of how a personal umbrella policy may help provide a...
Like most people, you probably already pay for many different kinds of insurance coverage , and as the terminology is pretty straightforward, it’s easy to know which type applies to which situation. For example, you know that an auto insurance policy covers your car, homeowners insurance covers your house, life insurance covers you in case of death, and health insurance will cover your bills should you become ill. There’s even flood insurance to recover losses due to flooding. While all of these policies help protect your assets and finance ...
Cost of Injuries to Others in an At-Fault Accident, $200,000 ; Your Bodily Injury Liability Limit, $30,000 ; Umbrella Insurance Payout, $170,000
In an increasingly litigious society, it can be scary to think about what might happen if you are responsible for an accident and get sued. It’s true that your auto insurance policy probably has liability coverage, but are the limits high enough? Adding more liability coverage to a homeowners policy or auto policy can cost quite a bit of money and result in thousands of extra dollars over the life of your policy. Unfortunately, if the liability coverage is not sufficient, a lawsuit could resul...
Commercial Umbrella Insurance Commercial umbrella insurance is designed to cover risks not covered by other types of business insurance. For example, if you’re sued and you’ve maxed out...
For example, if your car slides on the ice and causes damage to another vehicle, your umbrella policy will likely cover damage that exceeds your auto policy's limits within the stated limits of your umbrella insurance coverage. Your umbrella policy may also help provide protection for something not covered by your home or auto policy. For instance, if your husband rents a snowmobile while on a winter getawa ...
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Umbrella insurance coverage in Ohio - Learn why Tim Misny recommends umbrella coverage for any insurance policy. Protect yourself!