The top-rated umbrella insurance agent in North Ridgeville, Ohio is Jim Cahlik - State Farm Insurance Agent, rated 4.9 stars across 199 reviews. Other highly rated options include Christina Estes - State Farm Insurance Agent, Greg Oliver - State Farm Insurance Agent, KLT Insurance. This directory lists 11 umbrella insurance agents serving North Ridgeville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jim Cahlik - State Farm Insurance Agent | 36525 Center Ridge Rd | (440) 892-8420 |
| 2 | Christina Estes - State Farm Insurance Agent | 34100 Center Ridge Rd | (440) 327-6969 |
| 3 | Greg Oliver - State Farm Insurance Agent | 38950 Center Ridge Rd | (440) 835-8886 |
| 4 | KLT Insurance | 6480 Pitts Blvd | (440) 584-0558 |
| 5 | Village Insurance | 31674 Center Ridge Rd UNIT 104 | (440) 871-8400 |
| 6 | Resource One Insurance | 33888 Center Ridge Rd | (440) 454-9898 |
| 7 | Farmers Insurance - Angel Feliciano | 35116 Center Ridge Rd Ste 111 | (440) 281-9480 |
| 8 | Bryner Insurance | 37723 Center Ridge Rd | (440) 530-4862 |
| 9 | R L Price Insurance Inc | 35522 Center Ridge Rd | (440) 327-3221 |
| 10 | Huntington Insurance | 35621 Center Ridge Rd | (800) 480-2265 |
Jim Cahlik - State Farm Insurance Agent serves the North Ridgeville, Ohio area and surrounding communities in Lorain County. The agency specializes in providing umbrella insurance policies, which offer extended liability coverage beyond standard home and auto limits. This type of protection helps safeguard personal assets and future earnings against major claims or lawsuits. The office handles risk assessments to determine appropriate coverage levels for individual needs. It also assists clients with coordinating an umbrella policy with their underlying home and automobile insurance.
Christina Estes - State Farm Insurance Agent provides umbrella insurance services for individuals and businesses in the North Ridgeville, OH area. The agency helps clients secure extra liability coverage that extends beyond standard policy limits, safeguarding personal assets and future earnings. It offers ongoing policy maintenance, including regular coverage reviews and adjustments to reflect life changes or property acquisitions. This service ensures sufficient protection against unforeseen events. The agency services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Homeowners, businesses, and property managers in North Ridgeville, OH, rely on Greg Oliver - State Farm Insurance Agent for umbrella insurance coverage that extends beyond standard liability limits. This agency helps protect clients from major claims and lawsuits by layering extra protection over auto, home, and business policies. Claims are handled with clear guidance through each step of the process. Policies are tailored to fit individual risk levels and assets. Service also extends to communities in neighboring Elyria and the greater Lorain County area.
KLT Insurance serves North Ridgeville, Ohio, and the surrounding communities with umbrella insurance agency services. This company handles personal umbrella liability policies that provide added coverage beyond standard homeowners and auto insurance limits. These policies help protect clients from major claims and lawsuits by covering gaps in existing coverage. For a typical job, the agency begins by reviewing a client's current insurance portfolio to identify specific liability exposures, then selects an appropriate policy to provide essential financial protection.
Village Insurance in North Ridgeville, OH distinguishes between one-time policies for specific liability concerns and recurring coverage for ongoing protection. Their umbrella insurance extends beyond standard home and auto limits, offering an added layer of financial security against major claims or lawsuits. Service runs on a one-time, scheduled, or as-needed basis depending on whether the client requires a single policy review or periodic adjustments to their coverage portfolio.
Resource One Insurance specializes in connecting North Ridgeville, OH residents with personalized umbrella insurance policies that extend liability coverage beyond standard home and auto limits. As a local umbrella insurance agent, it helps clients protect their assets from major claims and lawsuits. The agency provides general insurance guidance, explaining coverage layers and risk management strategies to both homeowners and renters. During the snowy winter months, when slip-and-fall incidents on icy driveways increase, Resource One Insurance assists families in securing additional liability protection for potential accidents on their property.
As North Ridgeville homeowners brace for severe storms and unexpected liabilities, Farmers Insurance - Angel Feliciano helps secure their assets through tailored umbrella insurance policies. This agency offers extended coverage that kicks in when standard home or auto policies reach their limits. The representative works closely with clients to explain how an umbrella policy protects savings and future earnings from costly lawsuits. Before recommending specific coverage levels, the agent schedules a thorough review of existing policies to identify personal liability gaps and assess each household's unique risk exposure.
Bryner Insurance provides general business liability coverage and specializes in offering umbrella insurance policies that extend beyond standard limits for North Ridgeville, OH clients. This extra layer of protection helps safeguard assets against major claims and lawsuits that could exceed primary policy caps. Umbrella coverage can apply to auto, homeowner, or commercial general liability policies, offering broader security for policyholders. Local professionals from offices and warehouses to food service operations can benefit from these additional liability limits tailored to their specific commercial needs.
R L Price Insurance Inc is known for providing umbrella insurance agent services to clients in North Ridgeville, OH. Its range of services includes offering liability coverage that extends beyond standard home or auto policies, protecting assets against major claims. The company assists individuals in securing additional limits for greater financial security in everyday situations. Specialty umbrella liability policies can also be added on for property owners with rental dwellings, covering risks that typical landlord insurance may exclude.
What Does an a Umbrella Insurance Agent in North Ridgeville Cost?
Umbrella insurance in Ohio typically costs between 150 and 350 dollars per year for 1 million dollars of coverage. Higher limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Costs vary based on your risk profile, number of properties, and driving record. This is general information and not insurance advice.
About umbrella insurance agents in North Ridgeville
Umbrella insurance agents in North Ridgeville Ohio help residents secure extra liability coverage that goes beyond standard auto and home policies. Ohio law does not require umbrella insurance but it can protect your savings and future earnings from large lawsuits. Local agents understand the specific risks for homeowners and drivers in Lorain County.
Frequently Asked Questions
What does an umbrella insurance agent in North Ridgeville do?
An umbrella insurance agent helps you purchase a personal liability policy that kicks in after your auto or home insurance limits are exhausted. They assess your assets and risk level to recommend an appropriate coverage amount. This agent acts as a local resource for policy questions and claims support.
How much umbrella coverage do I need in Ohio?
Most Ohio agents recommend at least 1 million dollars in umbrella coverage to protect against common lawsuits. Your specific needs depend on your net worth, property value, and potential risks like a swimming pool or rental property. An agent can help calculate the right amount for your situation.
Does Ohio law affect umbrella insurance requirements?
Ohio follows a comparative negligence rule which means you can be partially at fault in a lawsuit and still recover damages. This increases the importance of umbrella coverage because even a small share of fault can lead to large payouts. Ohio also has a two year statute of limitations for personal injury claims, making timely coverage essential.
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