Personal Umbrella Insurance

What happens if the settlement following an accident far exceeds your insurance coverage?  Although high six-figure awards are still uncommon except in corporate lawsuits, they can happen. Personal catastrophe and liability coverage is your answer.  Here at the Schaefer & Delauder Insurance agency  in Germantown and Frederick, Maryland (Montgomery and Frederick Counties), we want to be sure you have that extra protection and avoid such devastating loss.

An umbrella insurance policy offers personal catastrophe liability coverage that extends your financial protection beyond your homeowners, renters, condo and auto coverage. 

The amount of additional coverage is most commonly one million dollars, and some insurance companies offer higher amounts. 

Personal catastrophe liability coverage protects you, your covered family members and your household pets against damages to another person or their property or belongings on your premises or anywhere in the world.

Although claims above what a home or auto policy can provide are still uncommon, a single loss of this type can alter your future.  With an umbrella liability insurance policy, your risk is in the severity of a claim, not the frequency. 

This umbrella personal catastrophe liability insurance is a relatively inexpensive type of coverage, so why take the risk?  The experienced representatives at the Schaefer & Delauder Insurance agency can take care of the details.  So contact us to get the protection you need today.


The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Schaefer & Delauder Insurance Agency in Germantown and Frederick, MD (Montgomery and Frederick Counties) before making any decisions or choosing a course of action.

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