Jefferson County
Your auto and homeowners policies each carry a liability limit. When a serious accident or injury claim goes past that limit, you’re personally on the hook for the rest — and that can mean your savings, your home, or your future wages. A personal umbrella policy adds a layer of liability protection above those policies so one bad day doesn’t undo what you’ve built.
Who should consider an umbrella
An umbrella makes sense for more people than you might think. We most often recommend one if you:
- Own a home, land, or other assets you want to protect
- Have a teenage or newly licensed driver in the household
- Own a swimming pool, trampoline, or dog
- Own rental property
- Own a boat, ATV, UTV, or other recreational vehicles
- Coach youth sports, volunteer, or serve on a nonprofit board
- Have a high income or expect your earnings to grow
What an umbrella policy covers
- Excess liability above your auto, homeowners, and watercraft policies
- Bodily injury and property damage you’re legally responsible for
- Legal defense costs, which are often paid in addition to the limit
- Personal injury claims such as libel, slander, and false arrest on many policies
Every carrier’s umbrella form is a little different. As an independent agency, we compare several and explain in plain language what each one does and doesn’t cover.
Why buy your umbrella through McBane
Umbrella policies only work if the policies underneath them are set up correctly. Because we handle your auto, home, and recreational coverage too, we line up the limits so there are no gaps. We’ve been doing that for families across the Ohio Valley since 1900, from our offices in Wintersville, Bergholz, and Carrollton.
