Arlington Heights, Ohio
410 Elliott Ave
Cincinnati, OH 45215
(513) 821-6300

A Quick Guide to Umbrella Insurance December 13, 2019

Arlington Heights, Arlington Heights
A Quick Guide to Umbrella Insurance, Arlington Heights, Ohio

If you cause an accident that results in damage or injury, for example, on the road or at your home, the liability coverage in your insurance policy will kick in to cover the costs. But what if the value of the claim exceeds the limits of your policy? In most cases, you could be left covering the difference out of your own pocket. Umbrella insurance protects you from this risk, offering additional protection when your other policies have run out.

Understanding Umbrella Insurance

What Is an Umbrella Insurance Policy?

An umbrella insurance policy is an extra layer of protection against liability claims related to auto accidents, injuries on your property, and a variety of other situations. If the damages exceed the policy limits of your auto, business, renter’s, or home insurance, your umbrella policy will kick in to cover the rest.

Why You Might Need Umbrella Insurance

insurance policyEven if your other insurance policies have generous liability limits, the damages from an accident can exceed them, especially if someone requires extensive medical care. For instance, if your auto insurance has a $50,000 limit for personal injuries and you cause an accident resulting in $100,000 in medical bills, the other driver could sue you for the remainder. Umbrella insurance eliminates that risk, providing peace of mind and protecting your financial future.

Umbrella Insurance Costs

Insurance companies know that serious accidents aren’t common, so umbrella insurance is often more affordable than you might expect. Most people can get up to a million dollars in liability coverage for just a few hundred dollars a year.


A sound insurance policy can help you deal with whatever surprises life brings your way. Since 1975, the independent agents at Stautberg Financial Group have provided tailored policy solutions and detailed advice to clients throughout Cincinnati and the Tri-State Area, helping them protect what matters most. To request an umbrella insurance quote, visit their website now or call (513) 821-6300 today.

Other Announcements, Events and Deals from Stautberg Financial Group
Top 5 Questions About Renters Insurance, Arlington Heights, Ohio
When you calculate the value of your personal property—everything from flat-screen televisions and laptops to clothes and furniture—the total can be substantial. That’s why more
3 Reasons College Students Should Have a Renters Insurance Policy, Arlington Heights, Ohio
From lower monthly rates to more space, renting a place off-campus has many advantages for college students. But despite these benefits, apartment living will always present risks— more
Do Young People Need Life Insurance?, Arlington Heights, Ohio
Ask the average millennial what they consider their top financial priorities, and life insurance might not make the list. With youth, independence, good health, and other more
 A Guide to Auto Insurance for Financed Vehicles, Arlington Heights, Ohio
Cars help you get from point A to B quickly, so you can get on with your busy life. As a driver, you need to carry a certain amount of auto insurance if you were to get more