Frequently Asked Questions

Should I purchase earthquake coverage?

Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions and other earth movements.


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Contact Information

Churchville location »
2907 Churchville Road, P. O. Box 70
Churchville, MD 21028

Elkton location »
211 West Main Street
Elkton, MD 21922



Looking for insurance you can rely on at a price you can afford? With 45 years of experience serving clients throughout Maryland, Delaware and Pennsylvania, Lassen, Marine & Webster has the knowledge and resources to design a plan that’s right for you.


Personal umbrella coverage is designed to give you additional liability protection above and beyond the limits on your home or auto policies. This protection kicks-in when any claim exceeds the limits already set by your determined insurance policies and protects you from potentially disparaging claims.

Basic insurance coverage may protect you in the event of a fire or auto collision, but in the event of a catastrophic event such as a child being seriously injured on your property or a fatal auto accident, basic liability coverage can fall far short in a large settlement.

Personal umbrella insurance can offer you peace-of-mind while protecting assets such as college funds and retirement savings from legal liability claims. Coverages include, but are not limited to:

  • Bodily Injury
  • Property Damage
  • Personal Injury
  • Defense Costs