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Umbrella Insurance

Umbrella Insurance Agents Bel Air MarylandUltimate Peace of Mind…


Who can really predict the weather? Even the pros get it wrong … a lot.

Similarly, who knows when a catastrophic accident or lawsuit could threaten to undo your life or your finances?

Umbrella insurance acts just like an umbrella, over all your other insurance policies, giving you an extra measure of protection, should the worst happen.

What is Umbrella Insurance?

Umbrella insurance is essentially liability insurance, so it does not cover your medical expenses or losses to your property (which should already be adequately covered).

Umbrella insurance is normally set up to protect you from:

  • Injuries you cause in a car accident
  • Injuries to someone that occur on your property
  • Property damage you affect in an accident
  • Property damage caused by your pet(s)
  • Property damage caused by your children or other dependents
  • Legal and attorney fees if you are ever sued

An umbrella policy goes beyond the limits of your current policies, especially for special types of risk. Umbrella polices, just like luggage, follow you wherever you go, even while traveling outside the country.

Everyone’s situation is different, so your agent will help you determine your needs and coverage amounts to make sure you make the right choice in an umbrella policy.

Not Just for the Rich, or Business Owners…


Umbrella policies are very affordable, since they would only be needed for very large accidents for lawsuits. Hopefully, you would never have to use it.

But anyone could have an accident on your property, and if there were immense physical trauma, debilitation, or death, a lawsuit or medical expenses could possibly exceed the limitations of your homeowners policy.  The same can be said for your auto policy, if the worst were to happen. How could you afford an extra million dollars of a jury award that is beyond your policy limits? It could devastate you financially.

From $1 – $5 million in additional umbrella coverage could save you from financial disaster. It is inexpensive peace of mind for sure.



How Affordable?


Many factors determine the cost of your policy, including the restrictions of your carrier, the amount of coverage you elect, and your risk profile and driving record.  You always save money when your umbrella policy is written by the same company as your other policies.


You’ve Seen Enough Law Shows on TV…


We live in a litigious society. Even when your insurance coverage limits are $300,000 or $500,000, there’s nothing stopping someone’s lawyer from asking for a million dollars or more in a settlement.

Why are victims prone to sue? Because the plaintiff pays nothing to start a lawsuit, juries and judges could go either way, and the reward can be high for both attorney and victim.

Either way, the cost to defend yourself in court can be very high, even if you win.

Contact us and let the umbrella policy insurance professionals at Rick Gerety + Associates help you protect yourself from financial loss from a major event.


"Amanda was very friendly and helpful during a big step in our lives (buying our first rental property). She gave great advice and created a plan to cover all of our insurance needs, even when a few obstacles arose. All of our questions were answered promptly throughout the process, and my husband and I truly appreciate her service!"

Linda Chern Zvitkovitz

"Amanda has been beyond amazing! She helped me with home insurance last year, and helped again when I had to use the insurance just a few months after settlement! I have now switched my car insurance to Nationwide! I would recommend anyone to this office knowing they would get the absolute best customer service! Thank you, Amanda, for all you have done!"

—Ashley O'Connor

"AWonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"Amanda was simply amazing! We had a horrible experience with Allstate and she helped make the transition super smooth to Nationwide! Allstate messed up our cancellation date and Amanda handled everything, we didn’t even have to send her any paperwork, it’s nice to know you’re being taken care of especially when it comes to insurance!"

—Laura Hoffman

"Wonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"The staff was very helpful, professional and supportive in seeing us through tree and structural damage resulting from a wind storm. Great staff."

—Ursula Cain-Jordan

"Been with Rick for many, many years, and have always been well taken care of, both for my business accounts, and personal. And without Lucy's help, I'm sure my head would have exploded by now."

—Andrew Merz

"I recently moved our home & auto insurance to Gentry & Assoc. I have worked with both Amanda and Courtney. They both have been a great help with the translation and are always quick to reply to my email requests. If you’re looking to shop your insurance, give them a shot!"

—Kim Maisel

"I was switching over from another insurance provider and they made it the easiest thing possible for me. Anything I had questions on they knew and if I had to send them information about anything I can shoot my agent with a quick picture of the information over a text! Friendly, and honest people."

—Donny Stimax

"Amanda , Has always been a very great!!! agent with Rick Gerety & Assoc. Inc . Thank you Amanda for working very hard to help me stay Insured & Communication and making sure I get the right information . I wish everybody with Nation Wide a happy holiday & Thank you for what y’all do for us."

—Michael Giles

"As a customer of Rick Gerety & Associates for many, many years, we could not be more pleased with the outstanding customer service and knowledge of the industry. Always available in a timely fashion to change/adjust policies as needed in our changing world. Highly recommend."

—Grace M. Manger