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Cincinnati, OH 45249

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Does Umbrella Insurance Cover Everyone in My Household?

Personal umbrella insurance policies protect against liability that exceeds your other policy limits. People sometimes call these policies family umbrella insurance because they cover all relatives and dependents living in your household. However, the coverage details can get tricky, so we recommend discussing your umbrella coverage with an agent at McCluskey Insurance Services LLC, serving Cincinnati, OH and surrounding areas. 

Covering Household Members

Umbrella insurance covers potential liabilities beyond other policy limits, so your insurance company needs to account for each individual covered by your home or auto policies. An auto policy, for example, covers household members and anyone else who might legally drive your vehicle. Of course, your insurer may adjust the premium on who lives in the household, their ages, and the vehicles in the household. 

Likewise, umbrella insurance generally covers all relatives and dependents living in the household, including children, teenagers, and the policyholder’s parents if they live there full-time. 

The trickiness comes with adult children and parents with separate home or auto policies. For example, some umbrella policies do not cover a child with a college apartment renters’ policy or a working adult child living at home with a separate auto policy. In other situations, the umbrella policy may cover all adults in the household, but its premiums are adjusted based on the presence of the separate policies and their liability limits.

As always, we recommend confirming your policy details with your agent before you need to make a claim.

We Are Here To Help

Each situation is unique, so reviewing your circumstances with your agent is best. For those living in or near Cincinnati, OH, consider discussing your umbrella or other insurance needs with our McCluskey Insurance Services LLC team. Call or stop in today.

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