Umbrella Insurance in Ohio

Umbrella insurance - how does it work, and does everyone need this type of coverage? If you're asking these questions, contact America's Top Insurance and we will be happy to help.

What Exactly Is Umbrella Insurance?

Every insurance plan has some kind of fine print that says things like libel and false arrest aren't covered. With umbrella insurance, you can get coverage for claims that a regular insurance policy wouldn't cover. Umbrella insurance protects you in a lot of different situations, such as when you get hurt or sued, or when you have personal liability. The same as regular insurance policies, umbrella coverage varies in its coverage amounts. This is why you should speak with one of our agents here at America's Top Insurance in Columbus, OH to find an umbrella policy that meets your needs.

Do I Need Existing Insurance to Get Umbrella Insurance?

Yes, you do. The umbrella policy will not kick in until all other policies have been exhausted. To qualify for umbrella insurance, you must already have other types of coverage in place, such as for your car and your house.

When Can You Use Umbrella Insurance?

You can use umbrella insurance in a variety of situations. Take, for example, the case where you own an apartment complex and some of the tenants have animals. Early one morning, you awaken to a phone call stating one of your tenants' dogs bit someone on the property. Any damage caused by the incident could potentially land on your lap as a liability. From medical bills to emotional pain and suffering, having the right insurance in place can keep your business from going under in this type of scenario.

Give Us A Call

Here at America's Top Insurance, we spend every day helping people just like you in Columbus, OH find affordable umbrella coverage. Contact us today to learn about umbrella policies and to discover whether you need this type of insurance.