Umbrella insurance protects your assets. When the winds and storms of adversity strike, you need all the protection you can get. At Renee Oliver Insurance Agency Inc in Silver Spring, MD, we have provided service to residents for more than 10 years. Our mission is to provide outstanding insurance products and services to all of our present and future customers.

Umbrella insurance has a reputation of being only for those who are wealthy. Nothing could be farther from the truth. Anyone who has any assets could benefit from having umbrella insurance. About 10% of all people will be sued every year. 30% of people will be sued at least once in their lifetime. Protecting your assets, whether they are millions of dollars or thousands of dollars, is important. 

Umbrella insurance is a type of liability protection. It is not a policy you can have alone. It is additional liability protection added to a policy you already have with liability protection. This includes home, auto, condo, renters, boat, and motorcycle coverage. Typical liability coverage on standard policies can be quite basic. It could leave you vulnerable in the event you are in an accident where you are at fault, or someone is injured while visiting your residence. 

When you have umbrella coverage, your primary insurance policy will cover up to the policy’s limit. Then your umbrella insurance policy will cover you for any additional expenses up to the limit of the umbrella. A typical umbrella is one million dollars. 

If you are in the market for a locally owned and operated independent insurance agency, Renee Oliver Insurance Agency Inc in Silver Spring, MD is the agency you are looking for. We know to answer your questions and the drive to provide the kind of service you want and deserve.