Ohio Umbrella insurance coverage

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Umbrella insurance coverage

Umbrella Insurance

The best peace of mind comes from investing in an umbrella insurance policy. We offer this policy here at Guardian Insurance Solutions in Ohio. Umbrella insurance provides you with an additional shield against liability and accidents. If something were to happen, you would have car insurance or home insurance to protect you. However, sometimes the damages exceed your policy limits. This is where umbrella insurance comes in to keep you covered.

When Liability Insurance Isn't Enough

Umbrella insurance is totally optional. However, it is highly recommended since it can protect you against lawsuits resulting from accidents. This ensures great protection against your future income. Most people can get away with a $1 million policy for sufficient protection.

There is a strong chance that your current liability limits would reach their limits. Putting your assets and future earnings at risk especially if you fall into one of these categories:

  • Your dog bites a neighbor’s child
  • An accident unfolds on your rental property
  • A condo fire spreads to other units in your building


Umbrella insurance policies go above and beyond. They will cover what is not covered by your auto, home, or any other underlying insurance policy. Umbrella insurance policies cover you, your spouse, and all family members that live in your home. It doesn’t matter where you are in the world, your umbrella insurance policy will follow you. You choose the amount of protection you would like for your policy. For example, if someone were to file a lawsuit against you amounting to $100,000 and your current policy only covers $50,000, your umbrella insurance policy will cover the difference. Claims are also paid by your policy if your regular policy does not cover it.


To obtain a quote for an umbrella insurance policy today, visit our Guardian Insurance Solutions website. We serve all residents in Ohio.

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