Personal Umbrella Insurance That Has You Covered
Smart, Personalized Coverage From Your Local Experts in Germantown, MD
What Your Personal Umbrella Policy Should Cover
Umbrella insurance kicks in when the limits of your home, auto, or recreational policies aren’t enough. It’s a cost-effective way to increase your overall protection.
Excess Liability Protection
Adds $1 million or more in coverage on top of your existing liability limits for home, auto, or recreational policies.
Legal Defense Costs
Covers attorney fees and legal costs if you’re sued—even if you’re not found liable.
Bodily Injury Liability
Protects you if someone is injured due to an accident involving your vehicle or property.
Property Damage Liability
Helps cover repair or replacement costs if you cause damage to someone else’s property.
Personal Injury Liability
Can include protection against libel, slander, and false arrest claims—depending on your policy.
Coverage Add‑Ons That Matter
Umbrella policies are already flexible—but these options help tailor them further to your life.
Recreational Vehicle Liability Extension
Extends umbrella protection to your boats, ATVs, snowmobiles, or campers.
Rental Property Liability
Covers additional properties you own and rent out—beyond your primary home.
Teen Driver Protection
Helps cover higher-risk scenarios if you have new or young drivers in the household.
Personal Umbrella Insurance FAQs
Who needs a personal umbrella policy?
Anyone with assets to protect—especially homeowners, drivers, landlords, and families with teen drivers—should consider it.
Does umbrella insurance cover my business?
No. Umbrella coverage is personal only. Commercial umbrella policies are separate and cover business liability.
How much coverage can I get?
Policies typically start at $1 million in coverage, with options for higher limits based on your needs.
Is umbrella insurance expensive?
It’s often very affordable for the amount of coverage provided—typically a few hundred dollars per year.
Will I need to increase coverage on my base policies?
Possibly. Most umbrella carriers require your home and auto liability limits to meet a minimum threshold first.
Let’s Get You on the Road
Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.