Umbrella Insurance

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Umbrella insurance adds an extra layer of liability protection beyond your auto, home, condo, renters, or watercraft policies. It’s one of the most affordable ways to protect your assets, income, and future from large and unexpected liability claims.

We offer flexible and affordable umbrella insurance throughout New York, New Jersey, Connecticut, and Florida.

🛡️ What Umbrella Insurance Covers

✔ Additional Liability Protection

Covers liability claims that exceed the limits of your underlying policies, including:

  • Auto liability
  • Homeowners liability
  • Renters/condo liability
  • Watercraft liability

✔ Personal Injury Coverage

May include protection for:

  • Libel
  • Slander
  • Defamation
  • False arrest
  • Invasion of privacy

✔ Property Damage Liability

Helps cover large property damage claims involving vehicles, homes, or other personal property.

✔ Legal Defense Costs

Covers attorney fees, court costs, and legal expenses — even if you’re not found at fault.

🎯 Why You Might Need Umbrella Insurance

High-Exposure Situations

Umbrella insurance is strongly recommended if you:

  • Own a home
  • Drive frequently or have a long commute
  • Have teenage drivers
  • Own rental properties
  • Have significant savings or investments
  • Own a dog
  • Host guests regularly
  • Want peace of mind with higher liability limits

Most umbrella policies offer $1M–$5M in additional protection for a surprisingly low cost.

💲 How Much Does Umbrella Insurance Cost?

Pricing depends on:

  • Number of homes
  • Number of vehicles
  • Number of drivers
  • Claims history
  • State of residence

Umbrella insurance is widely considered one of the most affordable ways to add significant liability protection.

⭐ Why Choose Our Agency?

🔹 Customized Liability Protection

We recommend the right liability limits based on your assets, lifestyle, and exposures.

🔹 Multi-Policy Savings

Bundle umbrella with home + auto to unlock significant discounts.

🔹 Top-Rated Insurance Carriers

We only partner with trusted national and regional insurers.

🔹 Multi-State Expertise

Perfect for clients with homes, vehicles, or drivers in multiple states.

🔹 Fast, Easy Enrollment

Most umbrella policies can be issued the same day.

🌎 Areas We Serve

We proudly provide Umbrella Insurance in:

New York:
Long Island • Nassau & Suffolk County • NYC • Westchester • Upstate NY

New Jersey:
North, Central & South Jersey

Connecticut:
Fairfield County & surrounding areas

Florida:
Miami-Dade • Broward • Orlando • Tampa • Juniper • Palm Beach • Ford Lauderdale • Other nearby regions

📝 Frequently Asked Questions

No — it adds extra liability coverage on top of your home, auto, or renters policies.

Most households choose $1 million, but families with teen drivers, rental homes, or higher assets often choose $2M–$5M.

Yes — as long as the underlying landlord policy includes the required liability limits.

Many umbrella policies include “personal injury” coverage, which often protects against libel, slander, or defamation.

Personal umbrella policies do not cover business liability. Business umbrella policies are separate.

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Protect what matters most with coverage you can count on.

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