Ohio Personal Umbrella Insurance provides an added layer of liability coverage when a high-cost catastrophe or accident that exceeds the limits of your current coverage occurs. Once the liability coverage on your Homeowners or Auto Insurance is exhausted, you may be financially responsible for any additional legal expenses, costs of property damage, medical costs for personal injury, or death claims. Serious injuries incur steep medical expenses, as well as payments for pain, suffering, and lost income. Death claims incur funeral and burial expenses, survivor expenses, and more.

Many people have the misconception that Umbrella Insurance is only for wealthy people. They think they don’t have enough in the way of assets to warrant this coverage, but that’s simply not true. While it’s true that it’s an important coverage for high-net worth individuals, Umbrella Insurance is valuable protection for just about anyone. Ask yourself these questions: Do you have a home or car that could be forfeited to pay damages? Wages that could be garnished? A college savings account or retirement fund that could be seized?

In Ohio, Personal Umbrella Insurance kicks in when you’ve exhausted the liability limits of your Homeowners Insurance, Auto Insurance, or other policies. It provides additional protection once you’ve reached the liability limit of the underlying policy. It also fills in coverage gaps and addresses some things that are not covered in your primary policies, such as libel or slander.

There are some scenarios when an Ohio Umbrella Insurance policy just makes good sense and is inexpensive protection relative to the risk. Some examples: If you entertain at home frequently, if you have an aggressive dog, if you have a swimming pool or trampoline on your property, if you regularly drive in a car pool, or if you are a landlord. In all these circumstances, you might benefit from this supplemental coverage.

While you don’t want to pay for coverage that you don’t need, you also don’t want to be exposed to risk that can be affordably addressed. That’s where the experienced team at Hitchings Insurance can help. We evaluate your coverage, help you assess your risk, and determine the best coverage plan for your unique circumstances.

You talk, we listen!

Talk to us – our experienced team would love to help you find the best Ohio Umbrella Insurance policy for you and your family.  We invite you to learn more about the Hitchings Insurance Agency difference yourself – fill out a free quote form or call us at 419-423-9145.


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