Extra liability limits
Adds a layer of liability protection above your auto, home, renters and certain other policies, subject to the policy terms.
What it covers
What umbrella coverage can include
An umbrella policy sits above the liability limits on your underlying policies. If a covered claim exceeds those limits, the umbrella may help with the remainder, up to its own limit. Coverage options vary by policy and carrier.
Legal defense
Helps with the cost of defending a covered claim. How defense costs are handled depends on the policy.
Injury and property claims
May help if you are found legally responsible for serious injuries or damage to someone else's property after a covered event.
Some claims your base policies may not cover
Certain personal injury claims, such as libel or slander, can be included on some umbrella policies. Details vary, so ask.
Coverage that follows the household
The policy usually applies to the people named in your household. We will confirm who is included.
Requirements for underlying coverage
Umbrellas typically require you to keep minimum liability limits on your underlying policies. We will show you what the carrier asks for.
Who needs it
Who should consider an umbrella
If any of these sound like you, it is worth a quick conversation. We serve Kentucky, Ohio and Indiana.
Homeowners
A guest injury, a dog bite or a pool or trampoline accident can lead to large claims.
Families with teen drivers
New drivers add risk. An umbrella can add protection if an accident goes beyond your auto limits.
Landlords and property owners
Rental property adds liability exposure. See our landlord page to learn more.
People with a home, assets or future income to protect
The more you have, the more you stand to lose in a liability judgment.
Local agency
Umbrella coverage in Florence, Boone County and Northern Kentucky
Many Northern Kentucky households drive busy roads like I-71, I-75 and the Ohio River bridges every day, and own homes with yards, pools, pets and guests. These are the situations where a claim can grow beyond a basic policy.
Turner Insurance Group is based in Florence and writes policies in Kentucky, Ohio and Indiana. We can look at your auto, home, renters, boat, RV or rental property policies together and show how an umbrella would sit on top.
Be prepared
Questions to consider
What are your current liability limits?
The umbrella sits above them. Bring your current declarations pages and we will review them.
What do you have to protect?
Home equity, investments and future earnings are all part of the picture.
Who lives in your household?
Teen drivers, college students and anyone who drives your vehicles matter.
What do you own beyond cars and a home?
Boats, RVs, rental properties and other items can add exposure.
FAQ
Common questions
What does an umbrella policy cover?
It adds liability coverage above the limits of your underlying policies, such as auto and homeowners, for covered claims. It generally does not cover damage to your own property and may not cover business activities. Terms vary, so we will go over the policy with you.
Do I need an umbrella if I already have good auto and home insurance?
It is worth discussing. Your auto and home policies have liability limits. If a claim goes past those limits, you could be responsible for the rest. An umbrella is meant to help with that gap.
Does an umbrella policy cover my rental property or boat?
Some umbrellas can extend over rental properties, boats and RVs, if the underlying policies meet the carrier's requirements. We will check that with you.
Do I need to carry specific limits on my other policies?
Usually yes. Umbrella carriers typically require minimum liability limits on your auto and home policies. We will help you meet them.
Do you write umbrella policies in Ohio and Indiana?
Yes. We write policies in Kentucky, Ohio and Indiana. Coverage options vary by policy and carrier.
Keep reading
Related coverage & guides
Auto insurance · Homeowners insurance · Landlord & rental property · Boat insurance · RV, camper & travel trailer · Why umbrella insurance matters · All coverage
Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Ready for a umbrella quote?
Request a quote online, or call or text our Florence office at 7000 Houston Rd, Ste 12. We serve Kentucky, Ohio and Indiana.