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Personal Umbrella Insurance in MD, VA, PA, & WV

Your regular homeowners or auto insurance policy might not be enough to fully cover a major insurance claim or lawsuit. For these you need personal umbrella insurance.

What Is Umbrella Insurance?

Umbrella insurance is an extra policy you can purchase that protects you in case a claim or lawsuit exceeds the policy limits of your homeowners or auto insurance. An umbrella policy will pay out when your main policy has paid in full, and it will only pay out the remaining costs.

This insurance is intended to cover your liability in the event that you are held responsible for injuries or damages to someone else’s person or property. It doesn’t usually cover any losses you bear yourself, such as if your car is damaged or someone breaks into your home and steals your TV.

If your main auto or home insurance policy has low coverage limits, you may want to consider an umbrella policy. 

For example, say your auto insurance policy covers liability up to $500,000, but you cause an accident leaving the driver with $600,000 of medical bills. Your main policy will only pay that $500,000 limit, leaving you to foot the other $100,000.

With umbrella insurance, however, you wouldn’t be financially responsible for any of the other driver’s medical bills. Your main auto insurance policy would pay $500,000, and your umbrella policy would pay the remaining $100,000.

How Much Does Umbrella Insurance Cost?

Umbrella insurance may cost less than you think, especially if you’re weighing the cost of an umbrella policy as opposed to simply increasing your regular insurance policy’s limits.

Because umbrella insurance only pays claims in excess of your home or auto insurance policy, the risk that you’ll need to tap into your umbrella insurance is lower. Because of this, insurance companies often charge lower premiums for umbrella insurance. 

Antietam Insurance can help you find an umbrella insurance policy that’s right for your needs. Contact us today for a quote!

How can umbrella insurance protect you?
Use the yellow hot spots and explore how umbrella insurance can help protect against common risks.
Property Damage Liability
Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?


Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Bodily Injury Liability
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Watercraft Liability
Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.


Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

Most commonly, umbrella insurance is something you get in addition to either a car insurance or homeowners insurance policy.

Umbrella insurance is specifically about liability, which is the cost you might have to pay to somebody else for an unfortunate event where you are held responsible. It doesn’t usually include losses you bear yourself, such as if your property is damaged or your possessions are stolen.

You’d usually get umbrella insurance when your main insurance policy has liability coverage limits that are too low for your needs. Umbrella insurance will only pay out when your main policy has already paid out in full, and it will only pay out the remainder of your costs.

For example, if your auto policy covers liability up to $500,000 but you cause an accident that leaves the other driver with medical bills of $600,000, your main policy will pay out in full, and the umbrella insurance policy will kick in for the remaining $100,000.

The umbrella insurance policy itself will have its own limit, but this is less likely to be an issue. An umbrella insurance policy can be cheaper than you might think. While it covers large potential payouts, the premium usually reflects the reduced risk that the policy will need to pay out.

Talk with us about adding a cost-effective umbrella insurance policy to your account. It’s easy and provides the additional protection needed to protect you and your family.

Let’s discuss your umbrella insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate umbrella insurance solution. There’s no obligation, just good-old-fashioned advice.
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Antietam Insurance Associates, Inc. offers comprehensive umbrella insurance in Hagerstown and Boonsboro, Maryland and in Martinsburg, Falling Waters and Inwood, West Virginia ; also throughout Pennsylvania, including Greencastle, Waynesboro, Chambersburg and Mercersburg.
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