The top-rated umbrella insurance agent in Annapolis, Maryland is Mathes Insurance Advisors, Inc., rated 4.9 stars across 428 reviews. Other highly rated options include JSR Insurance, CNR Insurance Inc, Goosehead Insurance - Tim Coe. This directory lists 19 umbrella insurance agents serving Annapolis.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mathes Insurance Advisors, Inc. | 2525 Riva Rd Suite 105 | (410) 295-9900 |
| 2 | JSR Insurance | 793 Fairview Ave | (443) 529-9109 |
| 3 | CNR Insurance Inc | 166 West St | (410) 897-9890 |
| 4 | Goosehead Insurance - Tim Coe | 1125 West St Suite 200, Office 244 | (443) 924-6704 |
| 5 | Old Bay Insurance Agency | 133 Defense Hwy #214 | (410) 777-5390 |
| 6 | O'Brien & Associates | 339 Buschs Frontage Rd #206 | (410) 571-5900 |
| 7 | Reyes Insurance LLC | 1831 Forest Dr # A | (443) 440-0989 |
| 8 | Bay Area Insurance | 1 Annapolis St STE 100 | (410) 647-7333 |
| 9 | Simpson and Blom Insurance | 108 Old Solomons Island Rd Bldg 2 | (410) 573-9104 |
| 10 | Ramsey's Insurance, Inc | 2049 West St Suite 202 | (410) 266-9363 |
Mathes Insurance Advisors, Inc. serves Annapolis and Anne Arundel County as a dedicated umbrella insurance agent. The firm helps clients obtain additional personal liability coverage beyond standard home and auto policies, offering protection against major claims and lawsuits. They assist with tailoring policy limits to individual asset levels and risk exposure. Mathes Insurance Advisors also handles business umbrella policies for local entrepreneurs and reviews existing coverage for gaps in liability protection.
JSR Insurance provides umbrella liability coverage designed to supplement existing policies. Its service includes policy review to identify gaps in protection and claims assistance for extended coverage needs. Maintenance plans involve annual assessment of clients' assets and risk exposure to adjust policy limits accordingly. The agency services single-family homes, apartments, multi-unit residential buildings, retail storefronts, and restaurants in Annapolis, MD.
CNR Insurance Inc offers umbrella insurance services in the Annapolis area, providing extended liability coverage beyond standard policies. This specialty insurance addresses risk gaps from auto, home, or watercraft policies, defending clients from large claims. The agent works generally with local residents to evaluate personal exposure and tailor coverage limits. Each season, heavy rains and coastal flooding in the Chesapeake region raise liability concerns from water damage to guest injuries, making comprehensive umbrella protection a practical concern for homeowners.
Goosehead Insurance - Tim Coe serves homeowners, businesses, and property managers in the Annapolis area. Their umbrella insurance agency provides additional liability coverage that extends beyond standard policy limits, helping clients protect assets from major claims or lawsuits. The agency works with local property owners to structure appropriate excess liability policies. Clients in the Annapolis metro frequently seek extra protection against accidents on their premises or incidents involving rental properties. This agency also covers clients in nearby Severna Park.
Serving Annapolis and the surrounding communities in Anne Arundel County, Old Bay Insurance Agency handles personal umbrella liability coverage to provide an extra layer of protection beyond standard auto and homeowners policies. This insurance helps safeguard a client’s future assets and income against major claims or lawsuits. Evaluating each individual’s specific risk exposure and current policy limits, the agency works to ensure the additional coverage gap is properly identified and filled.
O'Brien & Associates provides specialized guidance on umbrella insurance coverage, offering an extra layer of personal liability protection beyond standard homeowner and auto policies in Annapolis, Maryland. Its services involve assessing clients' unique risk exposures and tailoring policies to safeguard assets, including future earnings and savings. The agency works closely with individuals to ensure coverage limits meet their specific needs. With the increased boating and waterfront property activity during the Chesapeake Bay summer season, the company helps clients secure additional liability protection for potential accidents on the water.
Reyes Insurance LLC in Annapolis, MD, offers both one-time policy evaluations and recurring annual reviews for umbrella insurance coverage. This liability insurance provides added protection above standard homeowners, auto, or watercraft policies, helping safeguard assets from major claims. For clients in the Chesapeake Bay area, excess liability coverage can address risks from accidents on rental properties or recreational vehicles. Service runs on either a one-time consultation basis or as part of a scheduled annual renewal meeting.
Spring storms can bring unexpected liability concerns to Annapolis homeowners, especially near the Chesapeake Bay. Bay Area Insurance serves the area as an umbrella insurance agent, helping clients secure extra liability coverage beyond standard policies. This protection becomes relevant when a claim exceeds primary policy limits, such as after a slip-and-fall incident on a rainy day or a boating accident. The company reviews each client's current exposures and recommends appropriate additional layers of liability coverage. An initial consultation begins with reviewing the client's existing policies to assess potential gaps.
Simpson and Blom Insurance in Annapolis, MD, provides residential umbrella insurance to help protect homeowners from major financial loss beyond standard policy limits. This agency also extends commercial umbrella coverage to local businesses, serving both categories throughout Anne Arundel County and the surrounding Chesapeake Bay region. After an initial policy is established, the agency remains available for follow-up adjustments and periodic reviews, ensuring ongoing protection coordinates with any changes between a client’s regular policy renewal visits.
Based in Annapolis, Ramsey's Insurance, Inc focuses on protecting clients from significant financial loss. The company specializes in umbrella insurance, offering extended liability coverage that goes beyond standard home and auto policies. This coverage helps safeguard personal assets and future earnings against major claims or lawsuits. Additionally, Ramsey's Insurance, Inc can also serve a range of commercial sectors, including offices, warehouses, and food service operations.
What Does an a Umbrella Insurance Agent in Annapolis Cost?
The cost of an umbrella insurance policy in Maryland typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Premiums are higher for drivers with multiple vehicles or homeowners with pools. Costs vary by your personal risk profile and insurance company. This is general information not insurance advice.
About umbrella insurance agents in Annapolis
An umbrella insurance agent in Annapolis Maryland helps you secure personal liability coverage that goes beyond your auto or homeowners policy limits. Maryland law requires minimum auto liability coverage of 30000 per person and 60000 per accident for bodily injury. An umbrella policy adds an extra layer of protection for major claims or lawsuits common in the Chesapeake Bay area.
Frequently Asked Questions
What does an umbrella insurance agent in Annapolis do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims exceeding your primary insurance limits. In Maryland this policy can also cover legal defense costs for certain incidents not covered by home or auto policies.
How much umbrella coverage do I need in Maryland?
Most agents recommend at least 1 million dollars in umbrella coverage for Maryland homeowners. Your specific needs depend on your assets such as home value savings and future income. A local Annapolis agent can review your risk factors.
Does Maryland law require umbrella insurance?
No Maryland does not require umbrella insurance by law. However if you have a swimming pool boat or rental property in Annapolis an umbrella policy is strongly advised to protect against large liability claims.
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