The top-rated umbrella insurance agent in Columbia, Maryland is Juan Claros - State Farm Insurance Agent, rated 5.0 stars across 418 reviews. Other highly rated options include McCabe Insurance Associates, Inc., Monarch Insurance Associates, Erie Insurance - McArdle Insurance Agency. This directory lists 23 umbrella insurance agents serving Columbia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Juan Claros - State Farm Insurance Agent | 6420 Freetown Rd Ste 135 | (443) 864-4439 |
| 2 | McCabe Insurance Associates, Inc. | 5501 Twin Knolls Rd #101 | (410) 992-5550 |
| 3 | Monarch Insurance Associates | 10440 Little Patuxent Pkwy Suite 300 | (301) 377-3158 |
| 4 | Erie Insurance - McArdle Insurance Agency | 7061 Deepage Dr | (410) 381-9200 |
| 5 | Kim Musser - State Farm Insurance Agent | 10724 Little Patuxent Pkwy Ste 201 | (410) 730-4334 |
| 6 | Farmers Insurance - Maynard Spedden | 8640 Guilford Rd Ste 223 | (443) 718-9824 |
| 7 | Aaron Slater Jr - State Farm Insurance Agent | 9881 Broken Land Pkwy #306 | (240) 755-0133 |
| 8 | VW Brown Insurance Service | 10380 Old Columbia Rd #104 | (410) 730-2688 |
| 9 | Portillo Agency | 10320 Little Patuxent Pkwy Suite 200 | (301) 660-8872 |
| 10 | Goosehead Insurance - Hossam Saleh | 5537 Twin Knolls Rd Suite 440 | (443) 585-3973 |
Juan Claros - State Farm Insurance Agent serves the Columbia, Maryland area as a provider of umbrella insurance policies. Umbrella coverage adds an extra layer of liability protection beyond standard auto and homeowners policies, helping clients safeguard assets from unexpected accidents. This agent works with local residents and businesses to evaluate their personal risk exposure and select appropriate coverage limits. Specific services include personal liability umbrella policies and supplemental liability coverage that extends beyond existing underlying insurance plans.
McCabe Insurance Associates, Inc. in Columbia, MD provides comprehensive umbrella insurance agency services, including personal and commercial liability coverage that extends beyond standard policy limits. The agency also offers ongoing policy review and risk management maintenance plans to ensure clients maintain adequate protection as their needs evolve. Umbrella insurance agents in this area help safeguard assets against major claims and lawsuits. McCabe Insurance Associates, Inc. services single-family homes, apartments, retail establishments, and restaurants.
Monarch Insurance Associates serves the Columbia, Maryland area and its surrounding communities, handling umbrella insurance policies that provide additional liability coverage beyond standard home and auto plans. This type of insurance protects clients from major claims and lawsuits that could exceed existing policy limits. To manage a typical job, the agency first reviews a client’s current underlying insurance policies. It then assesses the client’s overall risk exposure, such as property ownership or recreational vehicles, before recommending a supplementary umbrella policy that increases the total available protection.
Erie Insurance - McArdle Insurance Agency in Columbia, Maryland, serves homeowners, business owners, and property managers who seek added financial protection through umbrella insurance policies. The agency helps clients layer additional liability coverage beyond standard auto or home policies. These policies offer defense against claims that exceed primary insurance limits, providing broader security in today’s legal environment. Their expertise covers risk assessment for local properties and high-traffic rental units. Service extends across Columbia and to nearby Ellicott City, ensuring residents and businesses in the region gain extra liability safeguards.
Kim Musser’s agency provides umbrella insurance for clients in Columbia, MD, offering both a one-time policy setup for immediate liability protection and a recurring coverage option that automatically renews beyond home and auto limits. This additional coverage safeguards assets against major claims and lawsuits, extending liability layers for comprehensive peace of mind in the local area. The service runs primarily on a scheduled basis, with annual reviews to adjust policy limits as needed.
Farmers Insurance - Maynard Spedden in Columbia, MD, provides umbrella insurance agency services to help clients extend liability protection beyond standard home and auto policies. It generally works with individuals and families to safeguard personal assets against major claims or lawsuits. By adding an extra layer of coverage, common financial risks from accidents or property damage become more manageable. This service proves especially helpful during seasonal activities like winter travel or hosting holiday gatherings, when the chance of an unexpected accident or injury often increases.
As local weather in Columbia brings sudden storms and unexpected liabilities each season, Aaron Slater Jr - State Farm Insurance Agent provides umbrella insurance policies that extend broader protection beyond standard home and auto coverage. This extra layer helps safeguard personal assets when multiple claims or lawsuits exceed primary limits, reassuring homeowners and drivers alike. Balancing affordability with valuable risk management, the agency serves residents navigating the area's varying exposures to property damage and liability. An initial consultation is scheduled to review existing policies and recommend appropriate coverage levels for each household.
VW Brown Insurance Service is an independent agency based in Columbia, Maryland that helps clients protect against liability gaps through the addition of umbrella coverage. It works with individuals to layer extra protection over their existing auto and homeowners policies. The agency also addresses the specialized needs of commercial operations, designing policies that cover situations where standard liability limits may be insufficient. It serves a range of local business sectors including offices, warehouses, and food service.
Portillo Agency serves residential clients in Columbia, Maryland by tailoring umbrella insurance policies that extend liability protection beyond standard home and auto limits. Commercial coverage is also available for local businesses seeking added risk management. The agency works with clients throughout the Columbia area and surrounding communities. After an initial policy setup, the team provides follow-up reviews and policy adjustments between regular renewal visits to ensure coverage keeps pace with changing personal and business needs.
Goosehead Insurance - Hossam Saleh, located in Columbia, MD, provides coverage that extends liability protection beyond standard home and auto policies. This umbrella insurance service helps clients safeguard their assets against major claims and lawsuits that would exceed underlying limits. The agent offers personalized risk assessments and policy recommendations to local residents and businesses. In addition to general umbrella policies, this location specializes in adding personal excess liability coverage tailored for high-net-worth households.
What Does an a Umbrella Insurance Agent in Columbia Cost?
The cost of an umbrella insurance policy in Maryland typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage. Higher coverage amounts cost more, often 75 to 150 dollars per additional million. Actual premiums vary based on your risk profile, number of properties, and driving record. This is general information and not insurance advice.
About umbrella insurance agents in Columbia
Umbrella insurance agents in Columbia Maryland help you secure additional liability coverage that goes beyond your auto and homeowners policies. This extra layer of protection is especially important in Maryland because state law requires minimum auto liability limits that may not cover a serious accident. An agent can tailor a policy to your specific needs and assets.
Frequently Asked Questions
What does an umbrella insurance agent in Columbia do?
An umbrella insurance agent in Columbia helps you purchase a personal liability umbrella policy. This policy provides coverage above the limits of your existing auto and home insurance. The agent assesses your risk and recommends a coverage amount.
How much umbrella coverage do I need in Maryland?
The amount of umbrella coverage you need depends on your assets and potential liability. Many agents suggest at least 1 million dollars in coverage. Maryland law does not set a specific minimum for umbrella policies, but your underlying auto and home policies must meet certain minimum limits.
Is umbrella insurance required by law in Maryland?
No, umbrella insurance is not required by Maryland law. However, it is a common way to protect personal assets from large lawsuits. Maryland requires minimum auto liability coverage of 30,000 dollars per person and 60,000 dollars per accident, which may not be enough for a serious claim.
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