The top-rated umbrella insurance agent in Laurel, Maryland is State Farm: Adam Herndon, rated 4.9 stars across 564 reviews. Other highly rated options include Simmerer Insurance, William Gunn - GEICO Insurance Agent, Laurel Insurance Center placas y seguro. This directory lists 20 umbrella insurance agents serving Laurel.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | State Farm: Adam Herndon | 8323 Cherry Ln Suite 13 | (240) 280-2285 |
| 2 | Simmerer Insurance | 601 7th St Ste 103 | (301) 386-0900 |
| 3 | William Gunn - GEICO Insurance Agent | 13600 Baltimore Ave Suite 702 | (301) 543-3690 |
| 4 | Laurel Insurance Center placas y seguro | 8641 Cherry Ln | (301) 640-8509 |
| 5 | Debbie Murphy - State Farm Insurance Agent | 7530 Montpelier Rd Suite 105 | (301) 604-0038 |
| 6 | Jennifer Smigal - State Farm Insurance Agent | 510 4th St | (301) 384-2323 |
| 7 | Mid Atlantic Insurance Financial | 13633 Baltimore Ave | (301) 604-4444 |
| 8 | Global Insure USA | 14502 Greenview Dr # 500 | (410) 507-7781 |
| 9 | Jessica Iglesias: Allstate Insurance | 511 4th St | (301) 683-0470 |
| 10 | CNR Insurance Inc | 14502 Greenview Dr # 500 | (301) 490-9600 |
State Farm: Adam Herndon serves the greater Laurel, Maryland, area as a provider of umbrella insurance coverage. This business assists local clients in obtaining extra liability protection that extends beyond the limits of standard home and auto policies. Such coverage helps safeguard personal assets against major claims or lawsuits. The office manages the application and policy review process for this added layer of financial security. It specifically handles personal umbrella liability policies and the associated risk assessment for customers in this Maryland region.
Simmerer Insurance provides personal umbrella insurance coverage to clients in Laurel, MD, extending additional liability protection beyond standard policies. Its service plans include assessments of existing coverage limits to determine appropriate umbrella policy amounts. Maintenance plans involve ongoing policy reviews to ensure sufficient liability protection as circumstances change. This agent serves a variety of property types, including single-family homes, apartments, retail establishments, and restaurants.
William Gunn - GEICO Insurance Agent in Laurel, MD serves homeowners, businesses, and property managers needing umbrella insurance coverage. This agency assists clients in obtaining additional liability protection beyond standard policy limits, addressing risks associated with rental properties or high-value assets. Policies are designed to safeguard personal finances against unexpected lawsuits or major claims. The agency provides professional guidance tailored to local insurance needs for residents of Laurel and surrounding areas. It routinely assists customers throughout nearby Columbia and the broader Howard County metro region.
Laurel Insurance Center placas y seguro serves the Laurel, Maryland area and its surrounding communities. The agency handles umbrella insurance, which provides extra personal liability coverage that extends beyond the limits of standard home and auto policies. For a typical job, an agent first reviews the client’s existing primary policies to determine appropriate coverage gaps, then explains how the umbrella policy would activate only after underlying limits are exhausted. The general approach it uses involves a thorough risk assessment to ensure the client understands the scope of protection.
As an umbrella insurance agent in Laurel, MD, Debbie Murphy - State Farm Insurance Agent focuses on providing additional liability coverage that extends beyond standard home and auto policies. This helps protect clients against major claims and lawsuits that could otherwise threaten their assets. The agency also offers a full range of personal insurance products tailored to local residents' everyday needs, including renters, life, and health coverage. During severe spring storms or summer travel seasons, it assists policyholders with reviewing their existing limits to ensure adequate protection against unexpected liability risks.
For occasional needs, a single-policy umbrella quote offers one-time protection, while a recurring annual option bundles wider liability coverage directly through Jennifer Smigal in Laurel, MD. This local agent explains how added layers of liability insurance shield personal assets beyond standard home and auto policies. Serving the surrounding area, this agency delivers coverage on an as-needed basis, with ongoing policy reviews available for clients who prefer a scheduled check-in each renewal season.
As severe spring and summer storms sweep through the Laurel area, a sudden liability from a neighbor’s property damage or an accident on a client’s land can lead to lawsuits that exhaust a standard homeowner policy. Mid Atlantic Insurance Financial helps residents protect savings and future earnings by selling umbrella policies that provide an extra layer of liability coverage. After an initial consultation to review existing insurance limits, they assess each client’s personal risk exposure to determine the appropriate umbrella coverage needed.
Global Insure USA provides umbrella insurance to residential clients in Laurel, MD, offering a vital layer of liability protection beyond standard home policies. The agency also structures commercial umbrella coverage for local businesses seeking broader risk management. Their service area encompasses Laurel and the surrounding regions of Prince George’s County, Howard County, and Anne Arundel County. Policies are written to secure clients against significant claims and lawsuits. The agency supports policy reviews and adjustments for clients following their regular insurance touchpoints, ensuring coverage stays current.
Jessica Iglesias: Allstone Insurance in Laurel, MD works with clients to manage their overall risk exposure and offers umbrella insurance to extend personal liability coverage. This supplemental policy adds a broader safety net for those seeking additional protection beyond standard limits. It covers excess costs related to accidents or property damage. The agency can serve a variety of commercial sectors, including office spaces, warehouses, and food service operations.
CNR Insurance Inc in Laurel, MD, is known for providing umbrella insurance coverage that extends liability protection beyond standard home and auto policies. Its service range helps clients safeguard assets against major claims and lawsuits, covering a wide spectrum of personal risks. Typical clients include property owners and drivers seeking a higher limit of financial security. The company can also add on protection for additional exposures such as watercraft or rental property liability.
What Does an a Umbrella Insurance Agent in Laurel Cost?
Typical costs for an umbrella insurance policy in Maryland range from 150 to 300 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 million dollars, may cost 250 to 500 dollars annually. Factors like your driving record, number of properties, and personal liability risks affect the premium. This is general information, not insurance advice.
About umbrella insurance agents in Laurel
An umbrella insurance agent in Laurel, Maryland helps you secure additional liability coverage beyond standard auto or homeowners policies. Maryland law requires minimum liability limits for drivers, but an umbrella policy can provide an extra layer of protection for assets and future income. Local agents understand the unique risks in the Laurel area, including proximity to major highways and the Washington D.C. metro region.
Frequently Asked Questions
What does an umbrella insurance agent in Laurel do?
An umbrella insurance agent helps you buy a personal liability policy that covers claims exceeding your primary insurance limits. In Maryland, this can protect against lawsuits from car accidents or property damage incidents common in the Laurel area. The agent assesses your risk profile and recommends appropriate coverage amounts.
How much umbrella coverage do I need in Maryland?
Most Maryland agents suggest at least 1 million dollars in umbrella coverage, especially if you own a home or have significant savings. Maryland courts can award large judgments in liability cases, making higher limits advisable for homeowners with pools or rental properties. Your agent will review your assets to determine the right amount.
Is umbrella insurance required by law in Maryland?
No, Maryland does not require umbrella insurance by law. However, it is often required by insurers if you have high-risk exposures like a teenage driver or a dog breed with a history of bites. Maryland law mandates minimum auto liability of 30,000 dollars per person and 60,000 dollars per accident, but umbrella coverage goes well beyond these limits.
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