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SG Agency

1290 Bay Dale Dr., #278
Arnold, MD 21012

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Umbrella Insurance in Maryland

As residents of Arnold, MD protecting your assets from all the unfortunate things that can happen in life is our object at SG Agency. A liability claim against you can be very expensive and having home and auto insurance may just not be enough to give you financial security. An umbrella policy adds an additional layer of protection providing you peace of mind. In Maryland and in every other state, having that extra layer of protection is something that most people need.

Your personal insurance policies all have liability limits, even if you have the maximum amount of liability coverage available, are you sure that this is enough? Probably not in the case of a covered event where you are found at fault. In Maryland, the cost of litigation is very expensive and even if you are not found guilty, the costs can be astronomical. When your primary insurance coverage has reached its limit, the umbrella insurance will kick in. Typically umbrella coverage is between one and five million dollars.

Some of the things that umbrella insurance covers:

  • Bodily injury
  • Property damage
  • Legal fees

Bodily injury covers medical expenses incurred from a covered event. This may involve a vehicle that you or a family member were operating, or it may be the result of an injury that occurred on your property. It also covers your pets.

Property damage will repair or replace a vehicle or structure that was damaged by you or a family member and it covers a lot of potential scenarios.

Legal fees are an important part of this coverage. It covers not only the cost or representation but the judgment against you up to the limit of your policy.

If you live in or near Arnold, MD at the SG Agency we have experienced staff to help you decided if an umbrella policy is right for you and the amount of coverage that makes sense. Stop by our office or give us a call, we will be glad to help.