Resource · Insurance

Umbrella Insurance

When a $1–5M umbrella policy is the cheapest planning move you can make.

Umbrella insurance adds liability coverage above your auto and home policies. As your net worth grows, it becomes an important layer of protection. This guide explains how it works and how to size it.

What’s inside

Why it matters

What happens when a liability claim exceeds your auto and home limits, and the situations that can raise your risk.

How to size it

Our rule of thumb for choosing a coverage amount, with a sample household.

What it covers and what it doesn’t

Common covered claims and common exclusions.

What it costs

Typical premium ranges in Ohio at different coverage levels.

The fine print

Underlying coverage requirements, listing every driver, and when to review your policy.

Review your liability coverage

Download the guide and gather your auto and home policies. We can help you review your limits against your net worth.

Download the guide

This content is for informational purposes only and is not individualized advice.

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