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Umbrella Insurance
Added Peace of Mind Above and Beyond

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Personal Umbrella Insurance in Miamisburg, Ohio

Extra Protection for Life’s “Just in Case” Moments

Accidents happen. And sometimes, they come with costs that go way beyond what your homeowners or auto insurance will cover. That’s where personal umbrella insurance comes in—it adds a layer of protection when your other policies hit their limit.

At Nestor Insurance Agency, we help Miamisburg families protect what they’ve worked hard for. A personal umbrella policy is an affordable way to safeguard your savings, your home, and your future earnings from costly lawsuits or unexpected claims.


We’re Here to Help You Think Ahead

At Nestor Insurance Agency, we’ll walk you through how umbrella insurance fits with your existing coverage and help you decide if it’s right for you. We’re proud to offer local, personal service right here in Miamisburg—and we’re just a phone call away.

  • Umbrella insurance isn’t tied to just one policy—it works on top of your auto, home, or even boat insurance to provide extra coverage. Most policies start at $1 million in protection and cover a wide range of situations, including:

    • Bodily Injury – Covers medical bills and legal claims if someone gets hurt on your property or because of your actions (like a car accident).

    • Property Damage – Helps pay for damage you cause to someone else’s property.

    • Personal Liability – Includes claims like libel, slander, or defamation—things most standard policies don’t cover.

    • Legal Defense Costs – Pays for attorneys' fees and court expenses, even if the lawsuit is dropped.

  • You might think your current insurance is enough, but big claims can wipe out coverage limits fast. Here’s why more folks in Miamisburg are choosing umbrella policies:

    1. It Kicks In When Your Base Policy Runs Out. Say you're at fault in a car accident with $500,000 in damages, but your auto insurance only covers $300,000. Your umbrella policy could cover the extra $200,000, so you’re not paying it out of pocket.

    2. It’s Affordable. For around $150–$300 per year, you can get $1 million in extra coverage. Additional millions often cost even less. It’s a smart way to protect yourself from big financial hits.

    3. It Covers Gaps in Other Policies. Umbrella insurance covers things your standard policies often exclude—like lawsuits over something you said online or liability claims involving rental property or travel.

    4. It Protects Your Future. A major lawsuit doesn’t just threaten your savings—it can go after future wages. Umbrella insurance helps protect your long-term financial security.

    5. It’s Great for High-Risk Situations. If you have a pool, host gatherings, own a dog, or have a teen driver at home, your risk of a liability claim is higher. Umbrella insurance gives you peace of mind for life’s “what ifs.”

  • Umbrella coverage is a smart move for:

    • Homeowners or landlords

    • Parents of teen drivers

    • People with significant savings or investments

    • Small business owners or public figures

    • Anyone with recreational vehicles or watercraft

Call 937-866-6138 today or fill out the form below to schedule your no-cost, no-obligation consultation. We’ll help you build a protection plan that goes beyond the basics—so you’re ready for whatever life throws your way.

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