PERSONAL UMBRELLA INSURANCE
Personal Umbrella Insurance in Ohio
McKinnon Insurance Agency serves all of Ohio from our offices in Dover and Navarre. Request a coverage review by phone or through our website.
A major liability claim can exceed the protection in an auto or homeowners policy. An umbrella policy may provide another layer of coverage above eligible underlying policies.
What should I review?
Ask about required underlying liability limits, eligible policies, covered household members, exclusions, defense costs, and available umbrella limits. Not every claim is covered, and qualifying requirements vary.
When is it worth a conversation?
If you've added a driver, purchased property, acquired recreational vehicles, or simply haven't checked your liability limits in a while, we can help you review where an umbrella policy might fit.
Choose umbrella insurance on our quote request form. Request an umbrella quote →
Personal Umbrella Insurance questions
Does an umbrella policy replace my home or auto insurance?
No. Personal umbrella insurance generally supplements qualifying underlying liability coverage. Required underlying limits, covered risks and exclusions depend on the insurer and policy.
Is personal umbrella insurance the same as commercial umbrella?
No. Business exposures can require commercial coverage. Tell us about rental properties, vehicles and business activities so we can review the correct type of umbrella protection.
Ohio coverage help, with a local team
Work with our Dover office or Navarre office, whether you are nearby or elsewhere in Ohio. We serve customers in all 88 Ohio counties; product availability and underwriting still depend on your situation.
Meet the McKinnon team · Explore our Ohio service area · Request a Quote
Dover: 330-339-3431 · Navarre: 330-791-7866
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Coverage resources
These sources provide general product information. They do not confirm eligibility, the availability of every option through our agency, or coverage for a particular claim. Your issued policy and endorsements control coverage.
Page content updated September 30, 2026.