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Maryland Umbrella Insurance Agent

Our Carroll County insurance agents can help you find the best umbrella policy to fill the gaps in your personal coverage. We will evaluate any vulnerabilities your current policies expose and make sure your insurance portfolio becomes your impenetrable shield against life’s unfortunate events. Based in Carroll County, we work with customers from Eldersburg, Westminster, Reisterstown and all over Maryland.

What Does an Umbrella Policy Do?

A personal umbrella policy (PUP) is designed to serve as a supplement for liability coverage where you lack it, whether it’s in your homeowners’ policy, your car insurance, boat, condo, RV or any other type of policy. Liability coverage is very important because it protects you when you cause damage or harm to someone else due to your actions or failure to act. Liability opens you up to law suits, which is a rather unpleasant scenario no one wants to be involved in.

Who Needs an Umbrella Policy

Generally speaking, anyone could benefit from an umbrella policy. It’s simply a nice additional coverage to have. It provides coverage for property damage liability, bodily injury liability, protection for landlords, and can even cover other claims, such as slender and false imprisonment. The truth is, you never know when you may get into an accident or how much damage you may cause to someone else. What if you rear-end an expensive vehicle or a wealthy executive? Your regular policy may not offer enough to pay for their car or lost wages.

An umbrella policy works to fill in the gaps left by your other insurance. Think of it as the mortar that holds the rest of the blocks together.


How Much Does Umbrella Insurance Cost?

You may be able to get an umbrella policy starting at just $100 a year. The exact amount will depend on how much additional coverage you need and what your current liability coverage limits are. Keep in mind that you don’t have to buy your umbrella policy from the same provider you use for your home or auto insurance. At American Heritage Insurance Agency, we can help you shop around and find the solution that works for you.

Contact us get a quote on umbrella insurance from one of our Carroll County insurance agents.

What Our Clients Say...

Over and above the time, effort and saved dollars that you put into earning our business – your careful attention to detail in getting our coverage right is what mattered the most. Thank you for educating me about the differences in coverage and for reallocating our insurance dollars to minimize our exposure while maximizing our policies.

- Eric L, President of Jeffrey Press, Inc.

Click here to view the areas that we serve

Frederick County: Frederick (21701, 20702, 21703, 21709), New Market (21774) , Mount Airy (21771), Urbana (21704), Ijamsville (21754), Walkersville (21793), Libertytown (21762), Damascus (20872), and more.

Howard County: Clarksville (21029), Columbia (21044), Cooksville (21723), Dorsey (21075), Elkridge (21075), Ellicott City (21043), Fulton (20759), Glenelg (21737), Glenwood (21738), Granite (21163), Hanover (21076), Highland (20777), Jessup (20794), Lisbon (21765), Marriottsville (21104), North Laurel (20723), West Friendship (21794), Woodbine (21797), Woodstock (21163), and more.

Montgomery County: Olney (20832), Damascus (20872), Laytonsville (20882), Silver Spring (20910), Clarksburg (20871), Gaithersburg (20878), Germantown (20876), Bethesda (20816), Chevy Chase (20815), and more.

Baltimore County: Arbutus (21227), Catonsville (21228, 21250), Cockeysville (21030, 21031, 21065), Dundalk (21222), Edgemere (21219), Essex (21221), Garrison (21055), Lansdowne (21227), Lochearn (21207), Lutherville (21093), Middle River (21220), Milford Mill (21244), Overlea (21236), Owings Mills (21117), Parkville (21234), Park Heights (21215), Pikesville (21208), Randallstown (21133), Reisterstown (21136), Rosedale (21237), Timonium (21093), Towson (21204), White Marsh (21162), Woodlawn (21207), and more.

Carroll County: Eldersburg (21784), Finksburg (21048), Hampstead (21074), Manchester (21102), Marriottsville (21104), Taneytown (21787), Union Bridge (21791), Westminster (21157, 21158), Mount Airy (21771), New Windsor (21776), Sykesville (21784), Woodbine (21797), Taneytown (21787), and more.

We also serve the rest of Maryland and the United States.