(410) 882-0077 Baltimore, MD

Personal Umbrella Insurance in Baltimore by Hammer Insurance Agency Inc. & Ford Insurance

Umbrella Insurance – Extra Protection When You Need It Most

Sometimes, the unexpected can exceed your standard insurance limits. Umbrella Insurance from Hammer Insurance Agency Inc. & Ford Insurance provides an extra layer of liability protection beyond your existing auto, homeowners, or renters insurance. It’s an affordable way to safeguard your assets, finances, and future when the unexpected happens.

Why Do You Need Umbrella Insurance?

While your existing policies provide liability coverage, they may not be enough if you’re faced with a significant lawsuit or claim. Umbrella Insurance offers:

  • Additional Liability Coverage: Extends beyond the limits of your auto, home, or renters insurance.
  • Protection for Legal Fees: Covers the costs of legal defense if you’re sued.
  • Coverage for Large Claims: Helps pay for medical bills, property damage, or judgments that exceed your primary policy limits.
  • Peace of Mind: Protects your savings, property, and other assets from costly liability claims.

What Does Umbrella Insurance Cover?

Auto Liability

Provides extra coverage for bodily injury or property damage in severe auto accidents.

Home Liability

Covers medical and legal costs if someone is injured on your property or due to your negligence.

Personal Liability

Extends coverage for incidents like libel, slander, and legal judgments.

Who Needs Umbrella Insurance?

Umbrella Insurance is a smart choice for anyone looking to protect their financial future. It’s especially important if you:

  • Own a home, rental property, or vacation property
  • Have significant savings or other valuable assets
  • Own a business or work in a high-liability profession
  • Have teenage drivers or frequently host guests in your home
  • Participate in activities that increase liability risks (e.g., owning a pool, hosting events)

Why Choose Hammer Insurance Agency Inc. & Ford Insurance?

  • Customized Coverage: Tailored umbrella policies to fit your needs and current insurance coverage.
  • Affordable Premiums: Extra liability protection at a surprisingly low cost.
  • Expert Guidance: Professional support to help you understand and maximize your coverage.
  • Peace of Mind: Protect your finances, family, and assets with a reliable safety net.

Frequently Asked Questions

Q: How much umbrella insurance do I need?

A: The amount depends on your assets, income, and potential risks. Many individuals start with $1 million in coverage.

Q: Does umbrella insurance only apply to auto and homeowners policies?

A: No, it can also extend to other policies like renters insurance, landlord insurance, and watercraft liability.

Q: Is umbrella insurance expensive?

A: Umbrella Insurance is very affordable. Policies often cost less than $1 a day for $1 million in coverage.

Protect Your Assets with Umbrella Insurance

Don’t let a major claim put your finances and future at risk. Umbrella Insurance from Hammer Insurance Agency Inc. & Ford Insurance provides the extra protection you need when the unexpected happens. Call us at 410-882-0077.

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