Umbrella Insurance: Who Needs It and Why
$1M of extra liability for less than $300/year — and the asset thresholds that make it essential.
Trusted by over 50,000+clients across Maryland, Virginia, Washington D.C., Ohio, North Carolina & Pennsylvania
White Glove Service
We treat every client like family with care, respect, and integrity.
Fast & Easy Process
Quick quotes, simple steps, and dedicated support every step of the way.
Great Coverage, Great Price
We shop top carriers to find the right coverage at the best value.
One Team. One Vision. One Mission.
What an umbrella policy actually covers
Umbrella insurance sits on top of your auto and home liability, adding $1M or more of protection for a few hundred dollars a year. If you're sued for an at-fault accident or an injury on your property, it covers the gap above your underlying limits.
It's some of the cheapest coverage per dollar of protection you can buy — because major claims are rare, but ruinous when they happen.
The asset thresholds that make it essential
A good rule of thumb: carry umbrella coverage at least equal to your net worth. Once you own a home, have savings, or earn future income worth protecting, a single large judgment could reach past your standard policy limits.
Teen drivers, a pool, a dog, or rental property all raise your exposure — all good reasons to have this conversation sooner rather than later.
Have questions about your coverage?
Talk to a real advisor who shops 20+ carriers on your behalf — no pressure, no obligation.