Get A Quote For Maryland and Pennsylvania Personal Umbrella Insurance
Personal umbrella insurance provides an essential layer of protection for you and your family, especially when your auto insurance or homeowners insurance liability limits have been surpassed. Without adequate coverage, your valuable assets, including home equity and retirement savings, could be jeopardized by personal injury or property damage claims. By obtaining an umbrella insurance quote from Downes Insurance, you can secure up to $5 million in additional liability coverage. This policy is designed to protect the lifestyle you’ve diligently built, ensuring peace of mind in uncertain times.
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How does umbrella insurance work?
An umbrella insurance policy extends well beyond your home insurance and auto insurance if you're found liable for more than your other insurance policies can cover. A personal umbrella insurance policy allows you to select a liability limit that best protects your assets, up to $5 million. Umbrella insurance coverage may include the following:
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Personal injury coverage: For claims of libel, slander, defamation of character, and more
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Worldwide coverage: For incidents that happen abroad
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Vacation rental liability coverage: Protection for accidents involving boats, jet skis, scooters, and other rentals
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Defense coverage: For legal fees and court costs
Avoid paying out of pocket if you're liable for a large claim
Consider this scenario: Someone sues you for $1 million after an auto accident or an incident at your home or property. However, your insurance only covers up to $500,000 in damages (often the highest amount of liability coverage available for standard homeowners insurance and auto insurance). Your umbrella insurance coverage can cover the remaining $500,000 you're responsible for, plus your legal costs, up to the limit you selected.
Is an umbrella insurance policy right for me?
Maryland personal umbrella insurance isn't just for the wealthy. If you own a car, a home, a condo, or if you rent your home, umbrella insurance offers additional coverage to protect your assets from the costs of legal actions and large judgments. You may also want extra protection if you have an asset like an ATV, RV, boat, or motorcycle. Learn more about if you need umbrella insurance coverage. You can buy a personal umbrella insurance policy anywhere in the United States.