Umbrella Insurance in Ohio
Sometimes, standard insurance policies aren’t enough to cover the full extent of a claim. At Hammer Insurance, we help Lancaster residents protect their financial future with additional liability coverage that goes beyond the limits of auto, home, or other primary policies. If you’re looking for peace of mind and protection against large claims, umbrella insurance is a smart choice.
What Makes Umbrella Insurance Different?
Umbrella insurance is designed to provide coverage for situations that exceed the limits of your existing policies. It’s not tied to one specific type and works as an extra layer of protection across multiple policies. For example, if a liability claim from an auto accident surpasses your car insurance limits, your umbrella policy can step in to cover the remaining costs.
Who Should Consider Umbrella Insurance?
Umbrella insurance is ideal for individuals who want to protect their assets and avoid out-of-pocket expenses for large claims. It’s especially beneficial if you:
- Own property or other valuable assets
- Have high liability risks, such as hosting events or owning rental properties
- Want protection against lawsuits, including claims for libel or slander
Examples of Umbrella Insurance in Action
Here are a few scenarios where umbrella insurance can make a difference:
- Auto Accident: If you’re involved in a car accident and the damages exceed your auto insurance limits, umbrella insurance can cover the remaining costs.
- Property Liability: If someone is injured on your property and sues for damages beyond your homeowner’s insurance coverage, umbrella insurance can help pay for legal fees and settlements.
- Personal Liability Claims: Umbrella insurance can provide coverage for claims like defamation or false arrest, which aren’t typically covered by standard policies.
Let’s Talk About Your Coverage
Umbrella insurance is an affordable way to add extra protection to your existing policies. Contact us today to learn more about how umbrella insurance can safeguard your assets and provide peace of mind. Our team is ready to answer your questions and help you find the right coverage.
