The top-rated umbrella insurance agent in Lanham, Maryland is Esther Smith - State Farm Insurance Agent, rated 4.9 stars across 443 reviews. Other highly rated options include James Allen - State Farm Insurance Agent, Rich Tusing - State Farm Insurance Agent, Michael Terry: Allstate Insurance. This directory lists 15 umbrella insurance agents serving Lanham.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Esther Smith - State Farm Insurance Agent | 9801 Greenbelt Rd Ste 211 | (301) 794-8600 |
| 2 | James Allen - State Farm Insurance Agent | 10104 Senate Dr Ste 270 | (301) 306-2000 |
| 3 | Rich Tusing - State Farm Insurance Agent | 9418 Annapolis Rd # 105 | (301) 429-3600 |
| 4 | Michael Terry: Allstate Insurance | 9470 Annapolis Rd #113 | (301) 731-1790 |
| 5 | Keyma Fludd: Allstate Insurance | 4601 Presidents Dr Ste 100 | (301) 789-2304 |
| 6 | B&M Insurance Group | 7375 Executive Pl Ste 202A | (301) 615-0700 |
| 7 | Dmv Insurance Agency, Inc. | 8855 Annapolis Rd #200 | (301) 841-6264 |
| 8 | State Insurance Agency | 9310 Lanham Severn Rd | (240) 791-7167 |
| 9 | Nationwide Insurance: Timothy E Halkos | 9512 Lanham Severn Rd | (301) 459-4478 |
| 10 | Erie Insurance (B&M Insurance Group) | 7375 Executive Pl Ste 170 | (301) 615-0700 |
Esther Smith - State Farm Insurance Agent serves the Lanham, MD metro area as a provider of umbrella insurance policies. This agency helps local residents and businesses secure additional liability coverage that extends beyond standard homeowners and auto policies. Umbrella insurance offers broader financial protection when existing policy limits are exceeded. The agency handles personal umbrella policies for enhanced liability coverage and also assists commercial clients with business-related umbrella insurance needs in this Maryland community.
James Allen - State Farm Insurance Agent in Lanham, MD, provides umbrella insurance coverage to protect clients from major liability claims and lawsuits. It offers personalized consultations to assess coverage needs and adjust policies as circumstances change. The agency assists with claims filing and provides routine policy reviews to ensure adequate protection over time. Its umbrella insurance services extend to single-family homes, apartments, retail properties, and restaurants.
Homeowners, businesses, and property managers in Lanham, MD, and the surrounding area turn to Rich Tusing - State Farm Insurance Agent for comprehensive umbrella insurance policies. These policies provide an additional layer of liability coverage above standard auto or homeowners insurance, protecting assets from major claims and lawsuits. The agency guides clients through assessing their personal risk exposure and selecting appropriate coverage limits. It also serves clients in nearby Bowie and other communities across Prince George’s County.
Serving the Lanham, Maryland area and its surrounding communities, Michael Terry: Allstate Insurance handles comprehensive umbrella insurance policies for local residents. These policies provide extra liability coverage beyond standard home and auto policies. To determine appropriate coverage levels, it carefully assesses each client's personal assets and potential risk exposure. Through detailed consultations and straightforward policy guidance, the agency clarifies how umbrella insurance offers added financial protection by covering excess claims and legal costs, helping safeguard long-term personal financial stability.
Keyma Fludd Allstate Insurance, located in Lanham, Maryland, offers umbrella insurance services that are structured differently than standard personal policies; clients may choose a one-time policy review or a recurring service agreement for ongoing adjustments. Umbrella liability coverage protects policyholders against large claims that exceed the limits of their home or auto insurance, providing essential financial security in this area. Clients can select services on a one-time, scheduled, or as-needed basis.
When storm season brings heavy rain and unexpected liability concerns to Lanham drivers, B&M Insurance Group helps local homeowners and commuters secure umbrella coverage that extends beyond standard policy limits. This additional protection addresses the financial gap left by auto and home policies when claims exceed their maximums, offering a practical safety net for households near metropolitan routes. An initial risk assessment with the company evaluates existing coverage gaps, prioritizing the specific values at stake for each applicant.
Dmv Insurance Agency, Inc. offers specialty umbrella insurance agent services, providing additional liability protection beyond standard auto or homeowners policies. The agency serves clients throughout the Lanham, MD, area by helping them secure extra coverage for unforeseen events that could threaten personal or business assets. Routine policy evaluations are conducted to address evolving exposure levels. During seasonal travel or holiday hosting, it assists with reviewing increased liability risks from guests or rented property, ensuring comprehensive coverage adjustments.
State Insurance Agency in Lanham, MD provides standard liability coverage for clients and specializes in umbrella insurance as an additional layer of protection. This policy extends policy limits beyond standard auto, home, or commercial liability lines. Umbrella insurance helps safeguard assets against major claims or lawsuits. The agency works with commercial sectors that commonly require higher coverage, including offices, warehouses, and food service operations.
Nationwide Insurance: Timothy E Halkos is known for providing umbrella insurance coverage, extending liability protection beyond standard policies for clients in Lanham, MD. The agency serves local homeowners and vehicle owners seeking additional financial safeguards against major claims and lawsuits. This umbrella insurance agent also offers a specialty service to add supplementary liability layers for rental property owners in the area.
Erie Insurance (B&M Insurance Group) in Lanham, MD provides residential umbrella insurance to protect homeowners from liability claims exceeding their primary policy limits. The agency also offers commercial umbrella coverage to help local business owners manage larger risks. Serving clients throughout Lanham and the broader region, the team focuses on clear explanations of how an umbrella policy adds a secondary layer of financial protection. Many individuals return when purchasing a new home or updating existing policies between regular visits to adjust their overall coverage.
What Does an a Umbrella Insurance Agent in Lanham Cost?
The cost of an umbrella insurance policy in Maryland typically ranges from 150 to 500 dollars per year for 1 million dollars of coverage. Premiums vary based on your risk factors such as driving record, number of properties, and number of vehicles. Adding additional 1 million dollar increments usually costs less than the first layer. This is general information and not insurance advice.
About umbrella insurance agents in Lanham
Umbrella insurance agents in Lanham Maryland help you add an extra layer of liability protection beyond your auto and homeowners policies. Maryland law requires minimum liability limits for drivers, but a personal umbrella policy can cover gaps and higher claim amounts. Lanham residents often seek this coverage to safeguard savings and future income from lawsuits.
Frequently Asked Questions
What does an umbrella insurance agent in Lanham do?
An umbrella insurance agent in Lanham helps you assess your liability risks and find a policy that extends coverage above your existing auto and home insurance limits. They explain how the policy works with your current plans and help you choose the right amount of coverage.
How much umbrella coverage do I need in Maryland?
The amount of umbrella coverage you need depends on your assets and income. Many agents recommend at least 1 million dollars in coverage. Maryland courts can award large judgments, so higher limits may be wise if you own property or have significant savings.
Does umbrella insurance cover legal defense costs in Maryland?
Yes, umbrella insurance typically covers legal defense costs in addition to the policy limit. In Maryland, this can be important because legal fees in liability lawsuits can quickly add up. Your agent can explain the specific terms of each policy.
Umbrella Insurance Agents in Other Maryland Cities
Annapolis · Baltimore · Bel Air · Beltsville · Bethesda · Bowie · Catonsville · Clinton · Cockeysville · Columbia · Crofton · Elkridge · Ellicott City · Frederick · Gaithersburg