Owning a home and a vehicle means you likely have both auto insurance and home insurance. While these policies provide essential coverage, they may not be enough to fully protect you financially. To enhance your protection, you can add an umbrella insurance policy. This type of insurance works alongside your existing policies to provide additional coverage, especially in the event of costly accidents. Accidents happen unexpectedly, and being prepared is crucial. If you’re considering an umbrella policy, contact us at McCluskey Insurance Services LLC in Cincinnati, OH.
Why Umbrella Insurance Matters
Expensive Accidents
Accidents today are more expensive than ever, whether they involve your vehicle or occur at your home. These incidents can result in injuries and substantial financial costs. While home and auto insurance policies include liability coverage, the limits of these policies may not be sufficient for high-cost accidents. If the expenses exceed your policy limits, you could be left responsible for paying the remaining balance.
Paying for Overages
Umbrella insurance provides additional liability coverage that kicks in after your primary policy has reached its limit. This means that any overages will be covered by the umbrella policy, protecting your finances from unexpected costs. Accidents can result in bills totaling thousands of dollars, and having umbrella insurance ensures you’re prepared for even the most expensive scenarios.
Get Umbrella Insurance in Cincinnati
If you don’t have the liability coverage needed to handle costly accidents, it’s time to consider umbrella insurance. To learn more about how this policy can safeguard your finances, contact us at McCluskey Insurance Services LLC in Cincinnati, OH.
