Umbrella insurance, also known as excess liability liability insurance, is broad coverage that protects you beyond the normal liability limits of standard home or auto insurance policies, and covers you for a higher amount against unpredictable risks.
Our umbrella insurance plans work hand in hand with your current policies to provide additional coverage for bodily injury and property damage, as well as other threats not covered under your regular policy. Because your Ohio home property or auto policy may contain different limits than the coverage of your neighbor across the street, no one liability limit works for everyone.
No matter where you live in Ohio, Rine Agency can ensure that your custom umbrella plan extends your limits only as much as you actually need and no more.
Who needs an umbrella insurance plan? Just about any Ohio resident with assets. You may have a good homeowner’s policy, for example, but what happens should someone sue you over an accident that happened on your property, and the suit amount exceeds the limits of your policy? Who picks up the tab? You do…unless you have an umbrella plan.
Likewise, what happens if, as the result of an auto accident, you’re sued for more than the limits on your auto insurance? Who picks up the tab? You do…unless you have an umbrella plan.
Fortunately, our umbrella plans are very reasonably priced, and in these especially litigious times, they’re protection that every driver or homeowner should seriously consider.
Contact us for more information.
At Rine Agency, we can help you select the umbrella insurance policy that’s right for your circumstance. Call or email us, or fill out the convenient rate quote request form on this page.