The top-rated umbrella insurance agent in Germantown, Maryland is Miguel Malca - State Farm Insurance Agent, rated 5.0 stars across 875 reviews. Other highly rated options include Klinger Insurance Group, Congressional Insurance Associates, CF Alliance Insurance Services. This directory lists 13 umbrella insurance agents serving Germantown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Miguel Malca - State Farm Insurance Agent | 20410 Observation Dr #112 | (240) 654-0204 |
| 2 | Klinger Insurance Group | 19785 Crystal Rock Dr STE 301 | (301) 428-4935 |
| 3 | Congressional Insurance Associates | 20440 Century Blvd #110 | (240) 912-4150 |
| 4 | CF Alliance Insurance Services | 20300 Seneca Meadows Pkwy #205 | (301) 515-9015 |
| 5 | Preferred Insurance Solutions | 20030 Century Blvd #201 | (301) 428-3344 |
| 6 | Schaefer & Delauder Insurance | 13208 Executive Park Terrace | (301) 428-0282 |
| 7 | Peak Insurance & Benefit Services, LLC | 13216 Executive Park Terrace | (240) 361-2699 |
| 8 | Insuranceproservicesllc | 12410 Milestone Center Dr Suite 600 | (301) 701-3802 |
| 9 | Clough Insurance Team | 19745 Executive Park Cir | (301) 241-7181 |
| 10 | Farmers Insurance - Randolf Fonseca | 12410 Milestone Center Dr Suite 600 | (301) 279-9200 |
Miguel Malca - State Farm Insurance Agent serves the Germantown, Maryland area and surrounding Montgomery County. The company provides umbrella insurance agency services for clients seeking additional liability protection beyond standard policies. It assists individuals and families in evaluating their personal asset coverage needs against potential lawsuits or major claims. This agency handles comprehensive umbrella insurance policies and personal liability protection plans.
Klinger Insurance Group in Germantown, MD provides coverage selection and policy review services for umbrella insurance, offering personal liability protection beyond standard auto and homeowners policies. Its service plans include regular policy assessments to ensure adequate coverage limits as assets or risk factors change. Maintenance plans involve coordinating with underlying insurers to keep layers of protection continuous. The agency serves properties including single-family homes, apartments, retail establishments, and restaurants.
Congressional Insurance Associates serves homeowners, businesses, and property managers in Germantown, Maryland, who seek specialized umbrella liability coverage. The agency provides policies that extend beyond standard home or auto limits, offering additional financial protection against major claims or lawsuits. This extra layer of coverage helps safeguard personal assets and business equity from unforeseen liability events. Clients typically consult the agent to assess their unique risk exposure and secure appropriate coverage amounts. The firm also serves clients throughout the broader Montgomery County area, including neighboring communities such as Gaithersburg.
Serving Germantown, MD, and the surrounding Montgomery County communities, CF Alliance Insurance Services handles umbrella insurance coverage for local residents and businesses. This type of policy provides an extra layer of liability protection beyond standard home and auto policies. The company helps clients assess their personal risk exposure, such as from a pool on their property or a teenage driver in the household. For a typical job, it will first review the client’s existing insurance limits before recommending a suitable amount of additional coverage.
For umbrella insurance needs, this company offers both initial policy setup and recurring review options, with coverage designed to provide additional liability protection beyond standard homeowners or auto policies. Serving the Germantown, Maryland area, Preferred Insurance Solutions helps clients secure this extra layer of financial security. Clients typically engage the agency on an as-needed basis, whether for a single policy adjustment or ongoing annual maintenance.
Schaefer & Delauder Insurance provides specialty umbrella coverage that extends liability protection beyond standard auto, home, or watercraft policies. Based in Germantown, Maryland, the agency generally assists residents with supplemental personal liability solutions designed for unexpected major claims or lawsuits. This form of insurance offers an additional layer of financial security in an area prone to heavy seasonal storms, which commonly increase the risk of auto accidents or slip-and-fall incidents on wet properties.
As spring storms increase in the Germantown area, homeowners often seek added liability protection beyond standard policies. Peak Insurance & Benefit Services, LLC connects local clients with umbrella insurance agents who evaluate existing coverage against personal assets at risk. These agents explain how a personal umbrella policy can extend liability limits for auto, home, and watercraft exposure. A full review of current policies and potential gaps in coverage begins with a confidential consultation, during which the agent assesses the client’s overall risk profile.
Insuranceproservicesllc works with clients in Germantown, Maryland, to arrange primary liability coverage for individuals and businesses. As an umbrella insurance agent, it specializes in adding extra liability layers beyond standard policies, helping to protect assets from major claims or lawsuits. The company can assist offices needing higher coverage limits for professional risks, warehouses requiring protection against large property or injury claims, and food service operations facing unique liability exposures from customer interactions or premises incidents.
The Clough Insurance Team in Germantown, MD, provides residential umbrella insurance coverage that extends liability protection beyond standard homeowners policies. It also offers commercial umbrella coverage for local business owners, serving clients throughout Montgomery County and the surrounding areas. Each policy is tailored to match the specific liability risks of the individual or company. The team focuses on maintaining clear communication and efficient service, encouraging clients to follow up between regular visits for annual reviews or endorsement updates as their needs evolve.
Serving Germantown, Maryland, and the surrounding communities, Farmers Insurance - Randolf Fonseca handles comprehensive umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. It effectively protects clients against major claims and lawsuits, offering a safety net for personal assets. The agency typically begins by reviewing each client's existing insurance portfolios to identify potential coverage gaps and recommends appropriate additional limits accordingly.
What Does an a Umbrella Insurance Agent in Germantown Cost?
Umbrella insurance in Maryland typically costs between 150 and 300 dollars per year for one million dollars of coverage. For two million dollars, the cost may range from 200 to 400 dollars annually. Rates vary based on your personal risk factors, such as driving history and property ownership. This is general information and not insurance advice.
About umbrella insurance agents in Germantown
An umbrella insurance agent in Germantown, Maryland helps you secure extra liability coverage that goes beyond your home and auto policies. Maryland law requires minimum auto liability limits, but an umbrella policy can provide additional protection for serious accidents or lawsuits. Local agents understand the specific risks for homeowners and drivers in Montgomery County.
Frequently Asked Questions
What does an umbrella insurance agent in Germantown do?
An umbrella insurance agent helps you buy a personal umbrella policy that adds one million dollars or more in liability coverage. This policy kicks in after your home or auto insurance limits are used up. The agent reviews your assets and risks to recommend an appropriate coverage amount.
Do I need umbrella insurance in Maryland?
Maryland law does not require umbrella insurance, but it is wise if you have significant assets or face higher lawsuit risks. For example, if you own a home with a pool or have a teenage driver, an umbrella policy can protect your savings. Many Maryland residents with net worth over one million dollars choose this coverage.
How much does umbrella insurance cost in Germantown Maryland?
Costs typically range from 150 to 300 dollars per year for one million dollars in coverage. Factors include your driving record, number of properties, and number of vehicles. An agent in Germantown can provide a specific quote based on your situation.
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