Personal Umbrella Insurance in Ohio
Extra Liability Protection for Life’s Unexpected Moments
Accidents happen—and sometimes, the costs go far beyond what your standard insurance policies cover. Whether you're involved in a serious car accident, face a lawsuit, or someone gets injured on your property, a personal umbrella policy helps safeguard your assets and future.
When Would You Need Umbrella Insurance?
You may need umbrella insurance if:
- You cause a multi-vehicle accident with significant injuries
- Someone is injured on your property and sues for damages
- Your dog bites a neighbor or passerby
- You’re accused of libel, slander, or defamation
- A guest is seriously injured in a pool or at your rental property
Lawsuits can easily exceed $100,000 or more in damages. If your auto or homeowners insurance only covers up to that amount, you could be held personally responsible for anything beyond it. That’s where umbrella coverage steps in.
Who Should Consider Umbrella Insurance?
Umbrella insurance is a smart option for many people, especially those with higher risk exposure or valuable assets to protect, such as:
- Homeowners
- Parents with teen drivers
- Landlords and rental property owners
- Dog owners
- Boaters, RV, or ATV owners
- High-net-worth individuals
- Anyone active on social media or in the public eye
Why Choose Ohio Insurance & Financial Services?
As a local independent agency, we compare quotes from multiple trusted carriers to find the right umbrella insurance policy for Ohio residents. You’ll get expert guidance, clear explanations, and personalized service from agents who live and work right here in your community.