Accidents are common and can happen anytime. For instance, your dog might bite someone, or your car could slide on ice and harm someone. When such an unfortunate event happens, your auto or home insurance liability limits may not be adequate to protect you from financial harm. The personal umbrella insurance will provide additional coverage over the limits of your automobile and home policy for defense and claims settlement. Read on for more details on umbrella insurance in Ohio and how the JPL insurance agency can help you.
Personal umbrella insurance provides additional liability protection when your home and auto insurance limits are not enough. It protects against damage, injuries, and even lawsuits when your auto, home, or recreational policies are exhausted. While umbrella insurance is not mandatory in Ohio, it can give you peace of mind and comfort when the other insurance policies limits are not adequate protection.
Personal umbrella insurance provides additional coverage in excess of the liability coverage provided in the underlying automobile, home, or recreational policy. The main issues umbrella insurance may cover include:
Personal Umbrella insurance does not cover intentional or criminal actions that lead to damage. Concealed Carry liability is not provided by a Personal umbrella policy. A special liability policy must be purchased to provide coverage for personal defense coverage.
Homeowners, business owners, professionals and property owners should all obtain Personal umbrella insurance to provide additional liability coverage should a large loss occur.
At JPL Insurance, we are committed to helping our clients get umbrella insurance policies affordably. We are an independent insurance agency and work with many insurance providers to help you choose the most suitable provider for your needs. Contact us today for assistance with a Personal umbrella insurance.
