Umbrella Insurance in Maryland

Extra Protection When the Unexpected Happens

Umbrella insurance provides an added layer of liability protection that goes beyond the limits of your home, auto, or other personal insurance policies. While serious accidents and lawsuits may be rare, they can result in very large claims — and an umbrella policy helps ensure you’re protected even in worst-case scenarios. For individuals and families across Annapolis & Beyond, umbrella insurance offers affordable peace of mind and stronger financial security.

What Does Umbrella Insurance Cover?

Excess Liability Coverage

Umbrella insurance kicks in when the liability limits of your auto, homeowners, or other underlying policies are exhausted. It provides additional protection for large claims that exceed standard limits.

Bodily Injury & Property Damage

Covers major claims resulting from injuries or property damage you’re legally responsible for — such as a serious auto accident or a guest injured on your property.

Legal Defense Costs

Helps cover attorney fees and court costs associated with covered lawsuits. Legal expenses alone can be significant, even before a settlement is reached.

Personal Injury Coverage

Many umbrella policies extend protection for claims such as libel, slander, or defamation that may not be fully covered by underlying policies.

When Umbrella Coverage Matters

Umbrella insurance is designed for situations where standard policies may fall short. For example:


  • A major car accident results in injuries and lawsuits exceeding your auto insurance limits
  • A serious fall on your property leads to extensive medical bills and legal claims
  • A personal lawsuit targets your savings, home equity, or future income

If you were sued for $1 million, would your current insurance be enough? An umbrella policy helps bridge that gap and protect what you’ve worked hard to build.

Family laughing and embracing in tall grass, enjoying a sunny day.

Why Umbrella Insurance Is Worth Considering

Umbrella insurance is often more affordable than people expect — especially compared to the protection it provides. Many policies offer $1–5 million in additional coverage for a relatively low annual premium.

Key things to know:


  • Umbrella insurance is liability-only coverage
  • It does not cover your own injuries or property
  • Coverage limits can be tailored to your assets and exposure
  • It works alongside your existing home and auto policies

A common guideline is to carry enough umbrella coverage to protect your net worth and future earnings — something our team can help you calculate.

Common Questions About Umbrella Insurance

  • Do I need umbrella insurance if I already have home and auto coverage?

    Home and auto policies have liability limits. An umbrella policy provides extra protection once those limits are reached, helping protect your assets.

  • How much umbrella insurance should I carry?

    Coverage is often based on net worth, risk exposure, and future income. Many clients choose $1–5 million, and we help determine what fits best.

  • What does an umbrella policy cover that regular insurance doesn’t?

    Umbrella policies extend liability limits and may cover claims like libel or slander that aren’t fully covered by underlying policies.

  • Is umbrella insurance expensive?

    Umbrella insurance is generally very affordable relative to the amount of protection it provides.

  • Does umbrella insurance cover business activities?

    Personal umbrella policies typically exclude business-related liability. We can help review options if business exposure exists.