Click to Call
Meiners Insurance

152 Lear Rd
Avon Lake, OH 44012

Mobile MapGet Directions

How Umbrella Insurance Works

What happens if damages you caused in an accident exceed the amount of your insurance coverage? If you have an umbrella insurance policy, then you may be covered. If not, you could incur additional expenses. There are benefits to having an umbrella policy.

Here at Meiners Insurance in Avon Lake, OH, we want to provide you with the right insurance policy options that suit your situation. With that in mind, here’s how umbrella insurance works.

What is Umbrella Insurance?

Umbrella insurance is additional personal liability insurance. It provides protection beyond the limits of your existing coverage for your home, auto, or boat.

Furthermore, it can provide coverage for:

  • Injuries
  • Damages
  • Certain lawsuits
  • Personal liability situation

How Does Umbrella Insurance Work?

Since umbrella insurance provides liability insurance, it will cover you if you are at fault.

For example, let’s say a guest falls in your home. Your homeowner’s insurance, if it includes personal liability, would cover the injured person’s expenses up to the limit specified in your policy. Umbrella insurance, on the other hand, would cover any additional expenses the injured person experiences.

Also, liability doesn’t just exist for injuries. Liability also applies to damage to property. Also, liability exists in cases of slander and libel.

Therefore, umbrella insurance provides you with extra protection when:

  • You are liable
  • You have reached the limit of your basic policy
  • Your other policies don’t cover your liability, such as slander or libel

Finally, an umbrella policy covers not only the policyholder, but it covers everyone in the household.

Think of Umbrella Insurance as Above and Beyond

Basically, you can think of umbrella insurance as liability insurance above and beyond your normal coverage.

Contact Meiners Insurance in Avon Lake, OH to find out more about umbrella insurance coverage.


Our Carriers

  • Foremost
  • Hagerty
  • Guard
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • Travelers