The top-rated umbrella insurance agent in Beltsville, Maryland is Joseph W. McCartin Insurance, Inc., rated 4.9 stars across 122 reviews. Other highly rated options include Scott Covington - State Farm Insurance Agent, Al Freeman, III: Allstate Insurance, Ramos Insurances. This directory lists 10 umbrella insurance agents serving Beltsville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Joseph W. McCartin Insurance, Inc. | 5000 Sunnyside Ave Suite 200 | (301) 937-0400 |
| 2 | Scott Covington - State Farm Insurance Agent | 10748 Baltimore Ave | (301) 937-7772 |
| 3 | Al Freeman, III: Allstate Insurance | 10610 Rhode Island Ave Ste 202 | (301) 937-3700 |
| 4 | Ramos Insurances | 11720 Beltsville Dr A45 Suite 500 | (240) 890-1961 |
| 5 | Castillo Insurance, LLC | 4737 Sellman Rd | (301) 937-1095 |
| 6 | Farmers Insurance - Mahono Nguyuza | 4412 Powder Mill Rd Ste 214 | (301) 595-4500 |
| 7 | Mutual of Omaha® Advisors - Beltsville | 4041 Powder Mill Rd Ste 205 | (240) 391-6333 |
| 8 | Statland & Katz, Ltd. | 5000 Sunnyside Ave Suite 200 | (301) 587-6050 |
| 9 | Albright Associates, Inc. | 5020 Sunnyside Ave #211 | (301) 441-2880 |
| 10 | Day, Deadrick & Marshall Insurance | 10732 Baltimore Ave | (800) 591-1550 |
Joseph W. McCartin Insurance, Inc. serves the Beltsville area and surrounding portions of Prince George’s County as a local umbrella insurance agent. This kind of agent helps clients obtain extra liability coverage that goes beyond the limits of an existing auto or homeowners policy. Umbrella policies are designed to protect personal assets from large lawsuits or claims that exceed standard insurance limits. The company assists residents by explaining how umbrella coverage integrates with their primary policies and by handling the application process for higher liability limits.
Scott Covington - State Farm Insurance Agent in Beltsville, MD offers a range of umbrella insurance services to extend personal liability coverage beyond standard policies. The agent provides tailored risk protection plans designed to help safeguard assets from major claims and lawsuits. Clients can expect professional assistance in evaluating their coverage needs and adjusting policies as circumstances change. The company serves single-family homes, apartments, retail businesses, and restaurants in the local area.
Homeowners, property managers, and local business owners in Beltsville, MD, can discuss liability protection with Al Freeman, III: Allstate Insurance for umbrella insurance policies. This agency helps clients secure extra coverage beyond standard home or auto policies, offering a layer of financial security against major claims or lawsuits. The agent provides guidance on coverage limits tailored for the area's suburban risks. Service extends to nearby communities including Greenbelt and College Park in the broader Prince George’s County region.
Ramos Insurances serves Beltsville, Maryland, and the surrounding communities, handling the placement of umbrella insurance policies that provide extended liability coverage beyond standard home and auto limits. It evaluates a client’s existing primary policies to determine appropriate excess coverage amounts. The agency reviews individual risk exposure and lifestyle factors to recommend suitable policy layers. For a typical job, it gathers current declarations pages, compares offerings from multiple insurers, and presents a straightforward selection of coverage options.
Castillo Insurance, LLC in Beltsville, MD offers both one-time umbrella insurance policies for temporary liability needs and recurring coverage for long-term asset protection. Their services provide an extra layer of liability coverage above standard home and auto policies, safeguarding policyholders from major claims and lawsuits. This umbrella agent assists clients in evaluating their existing risk exposures and determining appropriate coverage limits tailored to individual financial situations. Service options run on a one-time or as-needed basis for policy adjustments and new coverage evaluations.
Farmers Insurance - Mahono Nguyuza in Beltsville, MD provides specialized umbrella insurance coverage designed to extend liability protection beyond standard policies. The agency generally assists clients in evaluating their personal and business exposure to large claims, offering additional layers of security for assets. For homeowners in the area, it helps address seasonal liability concerns that arise from increased outdoor gatherings or winter weather injuries on the property, ensuring residents remain protected when standard policy limits may be insufficient.
Mutual of Omaha® Advisors - Beltsville provides insurance solutions for individuals and businesses in the local area, with a particular focus on securing their assets through umbrella insurance policies. This coverage offers an extra layer of liability protection beyond standard home, auto, or business policies. The agency assists clients in mitigating risk from potential lawsuits or large claims. It serves a variety of commercial sectors, including offices, warehouses, and food service operations, helping to safeguard their financial stability.
As local weather shifts between storms and dry spells, property owners in Beltsville, MD, face fluctuating exposure to liability from accidents on their land. Statland & Katz, Ltd. works as an umbrella insurance agent to help them address these gaps between standard coverage limits and actual risk. The agency evaluates personal assets and potential claim scenarios for homeowners and renters alike. After reviewing existing policies, they pinpoint where auxiliary liability protection may be needed. An initial assessment of current coverage is scheduled to begin this process.
Albright Associates, Inc. provides umbrella insurance services to residential clients in Beltsville, Maryland, seeking added liability protection beyond standard policies. The agency also assists local commercial customers with broader coverage needs. Their service area encompasses Beltsville and surrounding communities. After an initial policy arrangement, the agent schedules follow‑up consultations to review coverage limits and recommend adjustments between regular renewal visits.
Day, Deadrick & Marshall Insurance, based in Beltsville, MD, is a local agency recognized for providing umbrella insurance agent services. It helps clients secure additional liability coverage that extends beyond standard home and auto policies. The firm serves residents and businesses in Beltsville and the surrounding Maryland area, tailoring policies to meet diverse risk management needs. For added protection, it can also coordinate excess liability policies designed for high-net-worth property owners.
What Does an a Umbrella Insurance Agent in Beltsville Cost?
Typical costs for an umbrella insurance policy in Maryland range from 150 to 350 dollars per year for one million dollars in coverage. Higher limits of two million dollars or more may cost 300 to 600 dollars annually. Your actual premium depends on your risk profile, number of vehicles, and property value. This is general information and not insurance advice.
About umbrella insurance agents in Beltsville
An umbrella insurance agent in Beltsville, Maryland helps you secure additional liability coverage beyond your auto or homeowners policy. Maryland law requires minimum auto liability limits, but umbrella policies provide extra protection for assets. Local agents can explain how Maryland-specific risks like coastal weather or high-traffic areas affect your coverage needs.
Frequently Asked Questions
What does an umbrella insurance agent in Beltsville do?
An umbrella insurance agent in Beltsville helps you purchase a personal umbrella liability policy that adds coverage above your existing home and auto insurance. This extra protection can cover legal costs and judgments if you are sued for damages. Agents in Maryland can also advise on how state laws affect liability limits.
How much umbrella coverage do I need in Beltsville Maryland?
Most agents recommend at least one million dollars in umbrella coverage, but the right amount depends on your assets and income. Maryland law does not set a specific umbrella requirement, but your agent can help you calculate a suitable limit. Factors like home value, savings, and future earnings are considered.
Is umbrella insurance required by law in Maryland?
No, umbrella insurance is not required by Maryland law. However, Maryland does require minimum auto liability coverage of 30,000 dollars for injury per person and 60,000 dollars per accident. An umbrella policy provides extra protection beyond these minimums.
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