Insurance protection for your family – and the future
Protect your family and your future with the right personal insurance
MRW Insurance is an independent insurance agency – meaning we do business with multiple insurance companies and compare protection and prices to find the best value for you. As your local agent, we understand the details of planning needed in Ohio, Kentucky, Indiana and we’re committed to being your advocate in times of need.
A small premium prevents big losses.
For less than a dollar a day*, you could receive an additional $1 million in extended coverage. And if you need more protection, we also offer coverage up to $5 million.
In a society where multimillion dollar judgments are not rare, it’s affordable coverage you can’t afford to be without. In most cases you will receive additional coverage for:
- Bodily injury and property damage for an accident that exceeds your auto liability limit.
- Bodily injury for an accident on your property in excess of your homeowners liability limits.
- Any libel or slander judgments made against you.
A: The personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your other personal liability policies — home, car, boat, RV, etc., so you have a higher personal liability limit, than what would otherwise be available. In certain circumstances, an umbrella insurance policy may provide personal liability coverage that is otherwise excluded from your other policies. For example, an umbrella insurance policy provides coverage anywhere in the world, whereas your car insurance policy usually provides coverage in only the US and Canada.
A: It used to be that the only people who needed personal umbrella liability policies were wealthy individuals, who had sizable amounts of personal assets that would be at risk in a lawsuit.
However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since those with modest incomes are even less able to pay damages than a wealthy individual, MRW Insurance recognizes the need to provide coverage limits greater than what can be obtained from their homeowner insurance or car insurance policies.
Our commitment is to serving you
MRW Insurance knows that in Ohio, Kentucky, Indiana, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, call us at 513-984-5565.