Umbrella Insurance
Life can throw unexpected challenges your way, and sometimes your standard insurance policies aren’t enough to cover the costs. Accidents, lawsuits, and unforeseen events can quickly exceed the limits of your auto, home, renters, or watercraft insurance. Umbrella insurance provides the extra protection you need when your primary coverage runs out.
At Insura Insurance Agency, we offer personalized umbrella insurance options for both personal and commercial needs. With our help, you can protect your assets and secure your financial future.
Why You Need Umbrella Insurance
Your standard insurance policies have limits, and when those limits are reached, you’re left to cover the remaining costs. Umbrella insurance steps in to protect you from financial hardship in situations like:
- A car accident where damages and medical bills exceed your auto insurance coverage.
- A guest injured on your property who sues for more than your homeowners insurance covers.
- A lawsuit for libel, slander, or invasion of privacy, which your standard policies don’t include.
Without umbrella insurance, you could face significant out-of-pocket expenses, putting your savings, assets, and even your future earnings at risk. While Ohio doesn’t require umbrella insurance, it’s a smart investment for anyone who wants to stay protected from life’s financial surprises.
What Umbrella Insurance Covers
Umbrella insurance provides broad protection in key areas, including:
- Personal Injury: Covers lawsuits involving false arrests, libel, slander, invasion of privacy, or malicious prosecution.
- Bodily Injury Liability: Pays for medical expenses, legal fees, and other costs when someone gets injured and your primary policy doesn’t cover the full amount.
- Property Liability: Protects you from paying out of pocket for damage to someone else’s property, such as a neighbor’s home or vehicle.
- Exclusions Coverage: Covers liability claims that your standard insurance policies exclude, ensuring you’re protected in a wider range of scenarios.
However, umbrella insurance doesn’t cover everything. It won’t protect you from business losses, intentional or expected accidents, or liability resulting from criminal acts.
Why Choose Insura Insurance Agency?
At Insura Insurance Agency, we make it easy to find the right umbrella insurance policy for your needs. Our local agents take the time to understand your situation, explain your options, and help you choose coverage that fits your lifestyle and budget.
We believe in simplifying the insurance process so you can focus on what matters most—living your life with confidence. When you work with us, you’re not just getting a policy; you’re gaining a trusted partner who’s here to support you every step of the way.
Don’t wait for an accident or lawsuit to show you the limits of your current insurance. Call or visit Insura Insurance Agency in Reynoldsburg, OH, today. Let us show you how affordable it can be to add an extra layer of protection with umbrella insurance.
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Have questions or need assistance with your insurance? Our team is here to help! Reach out to us for personalized support, expert guidance, or a free quote. Whether it’s for personal or commercial insurance, we’re just a call or message away. Let’s protect what matters most to you!