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Personal Catastrophe Liability (Umbrella) Insurance Coverage for MD, VA, DC

Personal Catastrophe Liability (Umbrella) Insurance Coverage for MD, VA, DC

What happens if the settlement following home or vehicle accident or damage far exceeds your insurance coverage? 

Although six-figure awards against individuals are still uncommon, they can happen. Personal catastrophe “umbrella” liability coverage is your answer.  Here in Laurel, Maryland, at Community Insurance Services, we want to be sure you have the extra protection and avoid the devastating consequences of catastrophe losses whether you reside in Maryland (MD), Virginia (VA) or Washington, DC.

A personal catastrophe liability policy provides an additional layer of protection, usually one million dollars or more, above the liability limits provided by your homeowners, renters, condo and automobile insurance coverage.  

Personal catastrophe liability coverage protects you, your covered family members and your household pets against claims for 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. 

This is a relatively inexpensive type of coverage, so why take the risk?  The experienced representatives at Community Insurance Services Agency can take care of the details.  So contact us to get the protection you need today.


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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 Community Insurance Services before making any decisions or choosing a course of action.




What Our Customers Have To Say...

I've been with Ginger and CIS (Formerly H.T.Brown Insurance Agency) since November, 1994. Insurance for auto, home, business, and life are a critical part of our daily lives. We never plan on having to use insurance, but it gives me "peace of mind" to know that CIS and Ginger are there to assist. For over 17 years I can pick up the phone and speak with someone that knows me beyond a policy number. In an ever changing environment, it's nice to know they are there to answer my questions. I look forward to being with them for many more years to come. Thanks Ginger.--- Tony Sykesville