Frequently Asked Questions

What is “actual cash value”?

Actual cash value refers to the depreciated value of the damaged property.


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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