Personal Umbrella Insurance in PA & MD
When It Rains, It Pours...
One bad moment — a serious accident, a guest injured on your property — can put everything you've built at risk. Umbrella insurance is the extra layer of protection that stands behind your home and auto coverage, so a single lawsuit doesn't undo a lifetime of work. At Kelly Glass Insurance, we help clients across Lebanon, PA and throughout Pennsylvania and Maryland find the right amount of protection for their life. It's Focusing on You, and what you've worked to build.Don't let one accident wash away a lifetime of hard work. Get an extra layer of protection that goes above and beyond your standard policies.
Coverage List:
- Excess Liability: Coverage that kicks in after your auto or home limits are exhausted.
- Personal Injury: Protection against claims like libel, slander, or false arrest.
- Worldwide Coverage: Your protection follows you anywhere in the world.
- Legal Defense: Covers the high cost of lawyers and court fees, even if the suit is groundless.
Not everyone needs the same amount of coverage — that's what a real conversation is for.
Frequently Asked Questions
What is umbrella insurance?
Umbrella insurance provides extra liability coverage that kicks in after your auto or home insurance limits are reached. Think of Umbrella insurance as a safety net for your safety net. While your Auto and Homeowners policies have liability limits, a major lawsuit can easily exceed them. An Umbrella policy provides an additional $1 million to $5 million in coverage, protecting your savings, home, and future earnings from legal judgments.
Do I Really Need This Umbrella Insurance?
You don't have to be a millionaire to be sued like one. In Pennsylvania and Maryland, a serious multi-car accident or a guest slipping on your property could lead to a judgment far higher than a standard $300,000 policy limit. If you have a home, a retirement account, or a steady paycheck, you have assets worth protecting. Umbrella insurance is one of the most affordable ways to ensure a single mistake doesn't result in a lifetime of debt.
Does Umbrella insurance cover my own injuries?
No. Umbrella insurance is a liability policy, meaning it protects you when you are responsible for damage or injury to others. Your personal health or property damage should be covered by your medical or homeowners policies.
Can I bundle Umbrella Insurance with my Auto insurance?
Yes! In fact, most carriers require you to have your auto or home insurance with them to add an umbrella policy. Bundling often triggers additional multi-policy discounts.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we're your neighbors on East Cumberland Street in Lebanon, PA.
- "Focusing on You" Reviews: You're a person, not a policy number. As your assets, income, or family grow, we sit down with you to review your coverage and make sure your protection keeps pace.
- Claims Advocacy: If the unexpected happens, we've got your back. Access our 24/7 Carriers Directory. For additional claims process questions, call us at (717) 272-2242 to talk to an associate.
- Local Knowledge, Regional Reach: Based in Lebanon and serving all of Pennsylvania and Maryland, we know the carriers who genuinely specialize in umbrella coverage — not just the ones with the biggest ad budget.
Ready to Get the Right Coverage?
Tell us about your assets and we'll do the shopping for you — comparing top carriers across Pennsylvania and Maryland to find the right umbrella policy for your life.
- Speak with an associate by calling (717) 272-2242.
- Text message us at (717) 455-3242.
- Get a free insurance review and quote by completing this information request.