Personal Umbrella Insurance
Personal Umbrella Insurance
Personal umbrella insurance adds an extra layer of liability protection
above the limits of your home and auto policies. If you’re found responsible for a serious accident or lawsuit that exceeds those limits, the umbrella covers the difference — protecting your savings, home, and future income from being tapped to pay a judgment.
What it covers
- Liability above your home/auto limits
- Legal defense costs
- Certain claims (like libel or slander) not covered by underlying policies.
- Third-party liability from exposed data
Who needs it
Homeowners, families with assets to protect, and anyone with higher exposure (teen drivers, pools, rental properties, public profile).
What affects the cost
The umbrella limit, underlying policies, and household risk factors — umbrellas are typically inexpensive for the protection they provide.
Common questions about our coverage & services
We’ve answered the most common questions to make choosing and managing your insurance easier and stress-free.
How much umbrella coverage do I need?
A common rule is to cover at least your total net worth; $1M is a typical starting point.
Is umbrella insurance worth it?
Get a personal umbrella insurance quote for your Cincinnati-area needs.
Independent, multi-carrier coverage across Ohio, Indiana, and Kentucky.