Personal Umbrella
An extra layer of protection when it matters most
Liability coverage above and beyond
Your auto and home policies each have liability limits — and a serious accident or lawsuit can blow right past them. When it does, your savings, your home, and even your future income can be on the line.
A personal umbrella policy adds a layer of liability protection on top of your existing policies, usually in million-dollar increments. It's an affordable way to protect everything you've built from a single bad day.
One policy that sits over everything
An umbrella policy kicks in when the liability limits on your auto, home, or rental policies are exhausted — covering the excess, plus certain claims your underlying policies may not, and the legal costs that come with them.
What We Cover
- Excess Liability Protection
- Legal Defense Costs
- Coverage Above Auto & Home
- Landlord & Rental Liability
- Worldwide Coverage
FAQ
Frequently Asked Questions
Who actually needs umbrella insurance?
Anyone with assets or future income worth protecting. If a lawsuit or serious at-fault accident exceeds your auto or home liability limits, you're personally responsible for the rest. An umbrella policy is especially worth it for homeowners, landlords, and anyone with savings, a business, or teenage drivers.
How much does umbrella insurance cost?
Umbrella coverage is one of the best values in insurance — a $1 million policy often costs just a few hundred dollars a year, because it only pays after your underlying auto and home limits are used up. We'll price it alongside your existing policies.
Do I need auto and home insurance to get an umbrella?
Yes. An umbrella policy sits on top of your existing auto and home (or renters/landlord) coverage, so carriers require those underlying policies to carry certain minimum liability limits first. We'll make sure everything lines up when we set it up.
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Tell us about you — we'll take it from there.
Extra peace of mind for Maryland families