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If you want to do all that you can to protect your assets, you may want to think about getting umbrella insurance. This type of insurance gives extra protection against lawsuits and major claims and can be a lifesaver in certain circumstances. Siemers Insurance Agency of Cincinnati, OH will help you understand what this important policy will do for you. 

How Umbrella Insurance Works

You probably already have health insurance, car insurance, and even boat insurance, but unfortunately, you may end up in a situation that exceeds the coverage limits of these kinds of policies. This is why it may be a good idea to call around for quotes on umbrella insurance. The amount that you will pay for your policy depends on a variety of factors, including where you live and if the insurance company considers you to be high risk.

umbrella insuranceUmbrella insurance covers many types of injuries beyond your standard insurance policy. This includes bodily injuries, property damage, and legal damages, such as being sued for something you have written that could be construed as libel or slander. It would also cover legal fees and court costs if you are involved in a lawsuit.

It is also important to note the things this type of insurance will not cover. For example, many insurance policies do not cover malpractice suits, damages caused by a business, or damage that you intentionally caused. For full details on what your policy will cover, check with an insurance provider to understand the fine print.

Many financial institutions say that umbrella insurance is the best buy in the insurance business, so call Siemers Insurance Agency in Cincinnati at (513) 469-8877 or visit their website to learn more. Siemers Insurance Agency serves the Greater Cincinnati, Northern Kentucky, and Southeast Indiana regions, and they’ll help you find the right insurance policy for your needs.

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