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Umbrella Insurance in Cincinnati, OH

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Added Protection, Greater Peace

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Protect Yourself From the Unexpected

Accidents happen — and sometimes they cost more than your standard insurance limits can cover. That’s where umbrella insurance comes in. At Moore Insurance, we help Cincinnati families and individuals add an affordable layer of liability protection that kicks in when your home or auto policy isn’t enough.



Umbrella coverage helps pay for legal fees, medical bills, and damages if you're held responsible for serious injuries, lawsuits, or property damage. It’s powerful protection that starts where your other policies stop — and it’s more affordable than you might think.

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One Policy, Broad Protection

Why It Matters

Think of umbrella insurance as a safety net. If you're in a serious accident, someone is injured on your property, or a lawsuit is filed against you, your liability coverage could run out fast. An umbrella policy covers that gap — helping protect your savings, home, future income, and peace of mind.



We’ll help you understand how it works and how much coverage you need based on your lifestyle, assets, and existing policies.

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Legal Costs

Covers attorney fees, court costs, and settlements if you're sued for personal injury or property damage.

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Excess Liability

Extends coverage beyond your auto and homeowners policy limits — especially useful in high-cost accidents or lawsuits.

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Widespread Scenarios

Helps protect you in incidents like dog bites, boating accidents, libel/slander claims, or injuries on your property.

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One Policy Can Protect Everything

An umbrella policy could be the most cost-effective way to secure your financial future. Let’s talk through the options today.

  • What does umbrella insurance cover that other policies don’t?

    It covers liability expenses that go beyond your auto or homeowners limits — including legal defense, judgments, and settlements.

  • Who should consider umbrella insurance?

    Anyone with significant assets, frequent guests, a teen driver, or risks like rental property ownership can benefit from umbrella coverage.

  • Is umbrella insurance expensive?

    Not at all. Many policies cost as little as $150–$300 per year for $1 million in coverage. We’ll help you get the right protection at the best rate.

  • Does umbrella insurance cover me everywhere?

    Most policies cover you worldwide for personal liability claims — but some exclusions apply. We’ll explain what’s covered and what’s not.

  • Can I bundle umbrella insurance with other policies?

    Yes! In fact, you usually need to have home or auto insurance with a certain limit to qualify. We’ll help you coordinate your coverage across policies.