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Directory of umbrella insurance agents in Ontario, Ohio. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Ontario, OH
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Ohio before hiring.
Showing 2 umbrella insurance agents in Ontario, OH
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Michelle Gates - State Farm Insurance Agent
2021 Park Ave W #100, Ontario, OH 44906
(419) 756-5010
michellegates.com
Farmers Insurance - Angela Hall
2230 Village Mall Dr Ste 700, Ontario, OH 44906
(419) 747-9880
agents.farmers.com
Umbrella insurance agents in Ontario Ohio help residents secure extra liability coverage that goes beyond the limits of auto and home policies. This type of policy is especially useful for Ohio homeowners who face risks from accidents on their property or from dog bites. Agents can explain how umbrella insurance works with Ohio liability laws to protect your savings and future earnings.
What Does a Umbrella Insurance Agent in Ontario Cost?
Typical costs for an umbrella insurance policy in Ohio range from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Premiums vary based on your risk factors such as number of vehicles, property value, and driving record. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Ontario Ohio do?
An umbrella insurance agent helps you buy a personal liability policy that covers claims above your standard insurance limits. They assess your assets and risks to recommend a coverage amount. The agent also explains how the policy applies to Ohio legal situations like auto accidents or property incidents.
How much umbrella coverage do I need in Ohio?
Most agents recommend at least 1 million dollars in umbrella coverage for homeowners with significant assets. Ohio law does not set a minimum amount for umbrella policies. Your agent will consider your home value, savings, and potential lawsuit risks to suggest a suitable limit.
Is umbrella insurance required by Ohio law?
No, Ohio law does not require umbrella insurance. However, it is a smart choice for extra protection. Ohio courts can award large judgments in liability cases, so umbrella coverage helps shield your personal assets from such awards.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Ohio.