Serving Delaware, Maryland and Pennsylvania
1047 North Walnut St,
Milford, Delaware 19963
Personal Umbrella Insurance
Personal Umbrella Insurance in Delaware, Maryland & Pennsylvania
Your home, auto, and savings are all protected — or are they?
If a serious accident or lawsuit exceeds the limits of your auto or homeowners insurance, you could be responsible for the rest. That’s where personal umbrella insurance comes in.
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At Downes Insurance, we help families and individuals across Delaware, Maryland, and Pennsylvania add an extra layer of financial protection — for just a few dollars a month.
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Why You Need Umbrella Insurance
Imagine these real-world scenarios:
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You’re in a car accident that injures multiple people.
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A guest slips and falls on your property.
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Your child causes a serious accident while driving.
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Your dog bites a neighbor or visitor.
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You're sued for libel or slander due to online activity.
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If your primary insurance doesn’t fully cover the damages, you could be liable for the difference — potentially hundreds of thousands of dollars. An umbrella policy helps prevent those costs from coming out of your pocket.
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What Does a Personal Umbrella Policy Cover?
Umbrella insurance provides additional liability coverage on top of your:
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Boat or RV Insurance
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Typical limits start at $1 million, with options up to $5 million or more. It can also cover legal defense fees, even if you're not found liable.
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Serving DE, MD & PA Families
We're based in Milford, Delaware, and proudly help individuals and families throughout:
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Delaware – Wilmington, Newark, Dover, Rehoboth
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Maryland – Kent Island, Easton, Annapolis, Salisbury
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Pennsylvania – West Chester, Lancaster, Philadelphia suburbs
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As an independent agency, we work with top-rated insurance carriers to compare umbrella policy rates and find the right fit for your needs.
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Get a Free Umbrella Insurance Quote Today
Peace of mind doesn't have to cost a fortune. Umbrella coverage is affordable, and the protection it provides is invaluable. Call us at 302-422-8863 or click below to request your free quote.