Chillicothe, Ohio
96 E 4th Street
Chillicothe, OH 45601
(740) 773-1620
Hummel & Plum Insurance is located in Chillicothe, Ohio. We specialize in all types of insurance: Home Insurance, Auto Insurance, Life Insurance, Health Insurance, Business Insurance and Specialty Risk Insurance.

A Beginner's Guide to Umbrella Insurance November 15, 2018

Chillicothe, Ross
A Beginner's Guide to Umbrella Insurance, Chillicothe, Ohio

During a rain shower, a jacket and boots can help keep parts of you dry. But it’s a trusty umbrella that offers wider protection, especially when the downpour is unexpected and heavy. Umbrella insurance works the same way. Most policies extend safeguards beyond standard coverage. Here is a helpful guide on what umbrella insurance is and how it works.

What Is Umbrella Insurance?

It is essentially a liability policy tailored to cover perils not addressed by traditional car, homeowners, business, or another type of insurance. Policies are available in a variety of amounts to pay for damage repair and replacement costs up to a certain dollar limit. Once that limit is reached, the policyholder may have to pay out of pocket for any leftover claims. This is where umbrella insurance comes into play. The policy picks up the tab for those additional claim amounts.

What Does It Cover?

umbrella insuranceDepending on the carrier, umbrella insurance can cover a range of scenarios. For instance, property damage can extend to a dog destroying your roommate’s expensive leather coat. Additionally, it can help if you’re involved in a lawsuit following an incident, such as an accidental injury while hunting.

Umbrella insurance can also kick in for medical costs for physical injuries beyond an existing policy limit. These include injuries to guests or neighbors injured in your home or surrounding property. Tenants injured in rental properties are also covered. Most plans can be customized to also pay for lawsuits as a result of libel, slander, copyright infringement, or false arrests.


Life is full of the unexpected. If you have coverage in place now, the amounts may not be enough to cover more expensive claims. Hummel & Plum Insurance Agency in Chillicothe, OH, will help you fill in the financial gap. Since 1904, the local firm has continued to help individuals and businesses by providing reliable umbrella insurance plans from the nation’s leading carriers. To learn more about the unique and valuable coverage, call (740) 773-1620 for a free, no-obligation insurance quote. You can also request a quote online, where additional information is available on the agency’s full lineup of products.

Other Announcements, Events and Deals from Hummel & Plum Insurance Agency Inc
A Guide to Disability Insurance, Chillicothe, Ohio
Your ability to work provides you with the means to pay your mortgage, car note, child care, and other expenses. If an injury or illness prevents you from doing your job, you’ll more
3 Ways to Reduce Your Car Insurance Rates, Chillicothe, Ohio
Most states legally require car insurance, which means if you want the freedom and convenience of driving, you must maintain coverage. However, it doesn’t have to take up a more
4 Common Car Insurance Questions, Chillicothe, Ohio
There are many hazards when driving, from slippery roads to distracted drivers and wandering deer. Car insurance protects your investment from these risks, but many drivers aren’t more
4 Unusual Circumstances Homeowners Insurance Covers, Chillicothe, Ohio
When most people think about a homeowners insurance claim, they picture something like a tree branch toppling through the roof of a house. Although that situation is covered, that more
Debunking 3 Myths About Life Insurance, Chillicothe, Ohio
Despite being prevalent, many people misunderstand life insurance. These errors can keep you from getting the best policy for your needs or discourage you from buying one more