Protect Everything You've Built (With one simple policy!)
Umbrella insurance adds extra liability coverage on top of your existing home and auto policies—so you're not left exposed after a major claim.
Simple form. No pressure. Real protection.
What’s at Risk?
Could a Big Claim Wipe Out Your Savings?
Life is unpredictable. One serious accident, injury, or lawsuit could leave you paying out of pocket—even with good insurance.
Without umbrella coverage, you might be responsible for:
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Medical bills that exceed your auto policy limits
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Legal fees from a liability claim
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Damages caused by a fire at your rental or condo
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Dog bites or accidents on your property
What Is Umbrella Insurance?
Extra Protection When You Need It Most
Umbrella insurance is a separate policy that sits on top of your existing home and auto policies. It kicks in when your regular coverage maxes out—helping protect your assets, income, and peace of mind.
Real-Life Example
Imagine you cause a car accident involving multiple vehicles. The damages and injuries total $850,000.
Your auto policy covers up to $300,000—leaving you on the hook for the remaining $550,000.
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Total liability: $850,000
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Auto policy limit: $300,000
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Without umbrella: You owe $550,000
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With umbrella: Covered
Other Common Scenarios Covered by Umbrella Insurance
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Your dog bites a neighbor’s child
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A guest is injured on your property
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Fire in your unit spreads to others
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Lawsuit from an accident at your rental home
What Does It Cost?
Big Protection. Small Price.
Most umbrella policies start at $150–$300 per year for $1 million or more in extra coverage. That’s pennies a day for peace of mind—and a strong financial safety net.
For a few hundred dollars a year, your financial future is protected from a million-dollar mistake.
Get Your Free Quote!
Let’s See if Umbrella Insurance is Right for You
Why Hamsher Insurance?
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Trusted by families across Ohio
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Independent agency: we shop multiple carriers for you
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Personalized service with your long-term needs in mind