The top-rated umbrella insurance agent in Wilmington, Delaware is Anne Scharp - GEICO Insurance Agent, rated 4.5 stars across 609 reviews. Other highly rated options include Tara McDonald - State Farm Insurance Agent, Ray Aungst: Allstate Insurance, Abby Pubusky - State Farm Insurance Agent. This directory lists 30 umbrella insurance agents serving Wilmington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Anne Scharp - GEICO Insurance Agent | 3925 Kirkwood Hwy | (302) 998-9192 |
| 2 | Tara McDonald - State Farm Insurance Agent | 4408 Limestone Rd | (302) 234-1116 |
| 3 | Ray Aungst: Allstate Insurance | 5301 Limestone Rd #124 | (302) 291-3500 |
| 4 | Abby Pubusky - State Farm Insurance Agent | 1805 Foulk Rd Suite H | (302) 434-3333 |
| 5 | Ray Romano - State Farm Insurance Agent | 2502 Silverside Rd Ste 8 | (302) 485-4426 |
| 6 | McAfee Insurance Agency | 1816 W 4th St | (302) 655-7999 |
| 7 | Charles Potter Jr. Insurance Agency | 5506 Kirkwood Hwy | (302) 995-5451 |
| 8 | Wiswall Insurance Agency | 1035 N Lincoln St Suite 300 | (302) 791-7600 |
| 9 | Prominent Insurance Services | 1201 Orange St #7295 | (302) 351-3368 |
| 10 | Choice Insurance Agency - Delaware | 1906 Newport Gap Pike | (302) 998-1412 |
Anne Scharp - GEICO Insurance Agent serves the Wilmington, Delaware metro area as a provider of umbrella insurance policies. Offering supplemental liability coverage, this agency helps clients protect their assets beyond standard homeowner, auto, or boat policies. Umbrella insurance for residents addresses risks from serious accidents or unforeseen events that could lead to costly claims or lawsuits. The agency handles private client consultations to evaluate coverage gaps. It also assists with umbrella policy integration for existing GEICO home and car insurance packages.
Serving Wilmington, Delaware, and the surrounding communities, Tara McDonald - State Farm Insurance Agent handles umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. These policies help protect clients against major claims and lawsuits that could threaten personal assets. For a typical job, the agent begins by evaluating a client’s current liability risks, explains the supplemental protection umbrella coverage offers, and then customizes policy limits to address the specific needs uncovered during that initial review.
Ray Aungst: Allstate Insurance in Wilmington, DE, offers umbrella insurance through either a one-time policy review or an ongoing service agreement for continual coverage adjustments. Umbrella insurance provides additional liability protection beyond standard auto or homeowners policies, covering legal fees and large settlement costs for unexpected incidents. This extra layer safeguards personal assets against major claims. Service runs as needed when policyholders request modifications or file a claim for a liability event, ensuring coverage evolves with changing circumstances.
Abby Pubusky - State Farm Insurance Agent in Wilmington, DE, provides general insurance solutions and expands coverage through umbrella insurance policies. These policies offer additional liability protection beyond standard home and auto limits, safeguarding assets from major claims or lawsuits. The agency assists clients in evaluating their personal risk exposure to determine appropriate coverage levels. Business operations served include offices seeking liability buffers, warehouses managing property liability risks, and food service establishments requiring comprehensive liability safeguards.
Ray Romano - State Farm Insurance Agent, based in Wilmington, Delaware, provides residential umbrella insurance coverage to safeguard homeowners from liability claims that exceed standard policy limits. Commercial umbrella policies are also available for local businesses seeking additional protection. The agency serves the broader Wilmington area, assisting clients with catastrophe liability planning. After an initial policy placement, the agent follows up around renewal periods to review coverage needs, ensuring protection remains adequate between regular service visits.
McAfee Insurance Agency in Wilmington, Delaware provides personal umbrella liability coverage that extends beyond the limits of standard home and auto policies. Clients choose between a one-time policy purchase for immediate, temporary needs or a recurring annual policy that ensures continuous protection without gaps. This extra layer of coverage safeguards assets from major claims or lawsuits. Service is conducted on an as-needed basis, allowing policyholders to arrange evaluations when their risk profile changes or their current coverage limit requires review.
Residential clients in Wilmington, Delaware seeking additional coverage for personal liability needs can contact Charles Potter Jr. Insurance Agency. The firm also works with commercial accounts that require protection beyond standard policy limits for risks they may face. Service is provided to individuals and businesses in the local area. Between policy renewals and annual reviews, the office can assist clients who have questions about their protection or wish to adjust coverage following life changes or asset changes.
Wiswall Insurance Agency in Wilmington, Delaware helps individuals and businesses manage significant financial risk through comprehensive liability coverage. Their specialty umbrella insurance extends beyond standard policy limits, providing an extra layer of protection against major claims and lawsuits. This coverage is designed to safeguard assets for a wide range of commercial clients, from professional offices and retail warehouses to food service establishments requiring robust liability solutions for their daily operations.
Prominent Insurance Services serves clients in Wilmington and throughout New Castle County as an umbrella insurance agent. Umbrella insurance provides an extra layer of liability protection that extends beyond the limits of standard homeowners and auto policies. This coverage helps shield personal assets from costly lawsuits and major claims. The company assists customers in securing this additional liability coverage to safeguard against unforeseen events. Its specialists handle both personal umbrella policies and the coordination of higher liability limits.
Choice Insurance Agency - Delaware is recognized for providing personal umbrella insurance solutions in Wilmington and the surrounding area. Its standard service range includes adding substantial liability coverage beyond the limits of auto and homeowners policies to help protect personal assets. The agency can assist clients in securing additional liability protection covering incidents such as libel or slander. It also offers the convenient add-on of coverage for legal defense costs.
What Does an a Umbrella Insurance Agent in Wilmington Cost?
In Delaware, the cost of a one million dollar umbrella policy typically ranges from 150 to 300 dollars per year. Higher coverage amounts, such as two million or five million dollars, can cost between 300 and 800 dollars annually. Your premium depends on factors like the number of homes and vehicles you own, your driving record, and your claims history. This is general information and not insurance advice.
About umbrella insurance agents in Wilmington
An umbrella insurance agent in Wilmington Delaware helps you obtain personal liability coverage that extends beyond the limits of your auto and homeowners policies. Delaware law does not require umbrella insurance, but it can provide crucial protection against lawsuits and large claims. Agents in Wilmington can tailor a policy to cover legal defense costs and settlements that exceed your primary insurance limits.
Frequently Asked Questions
What does an umbrella insurance agent in Wilmington do?
An umbrella insurance agent helps you evaluate your liability risks and purchase a policy that provides additional coverage above your existing auto and home insurance. They explain how the policy works with your current insurance and advise on coverage limits based on your assets.
How much umbrella coverage do I need in Delaware?
Most agents recommend at least one million dollars in umbrella coverage, but the right amount depends on your net worth and potential liability risks. Delaware courts can award large judgments, so higher limits may be wise for homeowners or those with significant savings.
Do I need umbrella insurance if I have a Delaware auto policy?
Yes, because your auto insurance liability limits may not be enough to cover a serious accident. Umbrella insurance provides an extra layer of protection, and it can also cover incidents not included in auto policies, such as libel or slander.
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