Umbrella Insurance in DE, PA, NJ & MD — Prominent Insurance
A personal umbrella policy provides $1 million to $5 million in additional liability protection above your auto and homeowners insurance — often for as little as $200 to $400 per year. Protect your assets, savings, and future earnings from costly lawsuits.
Who Needs Umbrella Insurance?
- Families with teen drivers on their auto policy
- Homeowners with swimming pools, trampolines, or rental properties
- Dog owners, especially larger breeds
- High-income earners and professionals with significant assets
- Anyone who frequently hosts guests at their home
How Umbrella Coverage Works
When a liability claim exceeds your auto or homeowners policy limits, the umbrella pays the excess — up to $1M, $2M, $3M, or $5M. A $750,000 auto claim against a $300,000 auto policy leaves $450,000 exposed. An umbrella covers that gap. For roughly $1 per day, you get protection that standard policies cannot provide. Call 302-351-3368 for an umbrella insurance proposal.