Umbrella Insurance in Ohio for Added Protection

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Extra Protection With Umbrella Insurance

An umbrella policy adds an extra layer of liability above your auto and home limits. Kyler-Moore Insurance helps Blue Ash and Cincinnati families choose coverage amounts that fit assets, lifestyle, and risk.

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Who Should Consider an Umbrella

Homeowners, rental property owners, households with teen drivers, boat owners, and families with higher assets often benefit from added limits that step in after a major claim.

How Umbrella Insurance Works

Extends Liability Coverage

If your auto policy pays to its limit and a claim is still outstanding, the umbrella can apply to the remaining amount up to the umbrella limit.

Covers Many Scenarios

Large liability claims from auto accidents, injuries at your residence, or certain personal injury claims like libel or slander may be included.

Personal and Commercial Options

We write personal umbrella and commercial umbrella for businesses that need higher limits.

Insurance Done Differently

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Policy Details and Requirements

Coverage often starts at 1 million and can increase to 2, 5, or more. You will need minimum underlying limits on home and auto to qualify. We make sure all policies align so no gaps appear.

Frequently Asked Questions About Medicare

Ask us anything!
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Umbrella Insurance FAQs

  • Does an umbrella cover incidents not covered by my other policies?

    It extends liability rather than replacing exclusions. We will clarify what applies to your situation.

  • Is 1 million enough?

    For many families it is a strong start. If you have higher assets or risk factors we may recommend higher limits.

  • Will a personal umbrella cover my business?

    A business needs its own commercial umbrella. We can help with both personal and business coverage.

  • What underlying policies can an umbrella sit over?

    Typically auto, homeowners, renters, and landlords, plus some recreational vehicles if listed.

Take the First Step Today

Already With Kyler-Moore

If we manage your home or auto, adding an umbrella is simple. We will gather a few details and present options.