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Personal umbrella insurance for Mount Vernon, Ohio families
Umbrella Insurance

An extra layer of protection above everything else

When the day goes really wrong

An umbrella policy sits on top of your auto, home, boat, and other liability coverages. The day a teen driver causes a multi-car accident, a guest is seriously injured at your house, or your dog bites the wrong neighbor, your underlying policies pay up to their limits — and then they stop. Umbrella picks up where they leave off.

For Knox County families with savings, a paid-off home, college funds, or a small business on the side, an umbrella policy is the cheapest way to put a real wall between a lawsuit and your assets. We typically write umbrellas in $1M increments and the cost is far smaller than most clients expect.

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Umbrella liability coverage that sits above your other policies

What umbrella insurance protects

Umbrella coverage extends bodily injury and property damage liability above the limits on your underlying auto, home, motorcycle, boat, and rental property policies. It also adds protections most standard policies do not include — like personal injury claims (libel, slander, false arrest) and certain rental property liability — and it pays defense costs separately so legal fees don't eat into the limit.

  • Excess Auto Liability
  • Excess Home & Boat Liability
  • Personal Injury (Libel, Slander, False Arrest)
  • Rental Property Liability
  • Worldwide Coverage
  • Legal Defense Costs
FAQ

Frequently Asked Questions

Who actually needs umbrella insurance?
Anyone with assets to protect. If you own a home, have meaningful savings or retirement accounts, run any kind of side business, host guests, have a teenage driver, own a pool or trampoline, or rent property to others — an umbrella policy is usually a smart move. The cost is small relative to what's at risk.
How much umbrella coverage should I carry?
A common rule of thumb is to carry coverage at least equal to your total net worth, with $1M as the most common starting point. We look at your assets, your exposures (drivers, properties, watercraft), and your underlying limits before recommending a number.
Does umbrella cover business activity?
Personal umbrella policies generally exclude business activity. If you own a business, run a side hustle, or rent out multiple properties, you may need a commercial umbrella in addition to (or instead of) a personal umbrella. We can sort out which one fits.
Do I need to bundle my auto and home to get umbrella?
Most carriers — including Allstate — require umbrella customers to carry their auto and home (or rental) policies with the same carrier and at certain minimum liability limits. We'll tell you exactly what's needed and how to structure it cleanly.
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Tell us about you — we'll take it from there.

$1M of additional protection for Knox County families

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