Long Island Umbrella
Insurance Quotes
Protect what you’ve worked for with personal umbrella insurance that adds an extra layer of liability protection above your home and auto policies. The Town Agency compares options from multiple carriers across Long Island.
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Answer a few quick questions and we’ll compare umbrella insurance options from multiple carriers for you.
Umbrella Insurance for Long Island Families
The Town Agency has been helping Long Island families protect their homes, vehicles and other assets since 1968. As an independent insurance agency, we can compare personal umbrella insurance options from multiple carriers to help you find the coverage that fits your needs. We serve homeowners throughout Nassau County, Suffolk County, NYC and across New York State.
Compare Multiple Carriers
We compare umbrella insurance options from multiple insurance companies for you.
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Get help from a Long Island insurance agency that understands local homes, vehicles and liability exposures.
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What Does Umbrella Insurance Cover?
Personal umbrella insurance provides an extra layer of liability protection above the limits of your underlying home, auto and other eligible personal insurance policies. It can help protect your savings and other assets when a covered liability claim exceeds those underlying limits.
Serious Auto Accidents
If you are held liable for a major accident and your auto liability limits are exhausted, umbrella coverage may provide additional protection.
Injuries on Your Property
Umbrella insurance may provide additional liability protection if someone is seriously injured at your home or another covered residential property.
Other Liability Claims
Depending on the policy, umbrella coverage may also extend protection for certain personal liability claims involving rental properties, watercraft and other exposures.
Who Should Consider Umbrella Insurance?
Umbrella insurance can be valuable for people who want additional liability protection beyond their home and auto insurance limits. The right amount of coverage depends on your assets, vehicles, properties and other personal liability exposures.
You may want to consider umbrella insurance if you:
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• Own multiple homes or rental properties — Additional properties can create additional liability exposures.
• Have teen or multiple drivers in your household — More drivers and vehicles can increase the potential for a serious liability claim.
• Own a pool, boat or other recreational property — These can create additional personal liability exposures.
• Have savings or other assets you want to protect — Umbrella insurance can provide additional protection when a covered liability claim exceeds your underlying policy limits.
How Much Umbrella Insurance Do I Need?
Your home equity, savings, investments, rental properties and other assets can help determine how much umbrella coverage may make sense. Your existing home and auto liability limits also matter because umbrella insurance generally begins after qualifying underlying coverage is exhausted.
Umbrella coverage commonly starts at $1 million.
Higher limits may be available depending on your assets, liability exposures and carrier eligibility. The Town Agency can compare umbrella insurance options from multiple carriers and help you choose a coverage limit that fits your situation.
Long Island Umbrella Insurance for Nassau & Suffolk County
Liability risks can look different from one Long Island household to another. You may own a home and several vehicles, have a teen driver, maintain a pool, own rental property or spend time on the water. Personal umbrella insurance can provide an additional layer of liability protection above eligible underlying policies when a covered claim exceeds those limits.
From our Garden City office, The Town Agency helps homeowners and property owners throughout Nassau County, Suffolk County, NYC and across New York compare personal umbrella insurance options from multiple carriers. We can review how your homeowners insurance, auto insurance, landlord insurance and other liability coverage works together and help you choose an umbrella limit that fits your situation. We can also help with flood insurance and home and auto bundle quotes.
Umbrella Insurance FAQs
What is umbrella insurance?
Umbrella insurance provides additional personal liability protection above the limits of eligible underlying policies, such as homeowners, auto and landlord insurance. It can help protect your assets if a covered liability claim exceeds the limits of those policies.
What does umbrella insurance cover?
Umbrella insurance can provide additional liability coverage for covered claims involving bodily injury, property damage and certain personal liability situations after the limits of an eligible underlying policy have been reached.
How much umbrella insurance do I need?
The right umbrella limit depends on your assets, income, household risks and the liability limits on your underlying policies. Many umbrella policies start at $1 million, and higher limits may be appropriate for some households.
How much does umbrella insurance cost on Long Island, NY?
The cost of umbrella insurance on Long Island depends on the coverage limit you choose, the number of homes, vehicles and drivers in your household, your claims history and other liability exposures. The Town Agency compares umbrella insurance options for clients in Nassau County, Suffolk County, NYC and throughout New York State to help you find coverage that fits your needs and budget.
Do I need umbrella insurance if I already have homeowners and auto insurance?
Homeowners and auto insurance include liability coverage, but those policies have limits. Umbrella insurance can provide additional liability protection above eligible underlying homeowners and auto policies when a covered claim exceeds those limits. Insurers may also require certain minimum liability limits on your underlying policies before an umbrella policy applies.
What does umbrella insurance not cover?
Umbrella insurance generally does not cover damage to your own property, intentional acts or liability exposures that are excluded by the policy. Business activities and certain property, vehicle or recreational exposures may also require separate coverage or endorsements. Coverage varies by insurer and policy.
Does umbrella insurance cover rental properties?
Umbrella insurance may provide additional liability protection for eligible rental properties when the property is properly disclosed and covered by an underlying landlord insurance policy that meets the insurer’s required liability limits. Coverage requirements vary by carrier and by the type and number of rental properties you own.
Does umbrella insurance cover boats and watercraft?
Umbrella insurance may provide additional liability protection for eligible boats and watercraft after the liability limits of an underlying policy have been reached. Coverage depends on the type, size and use of the watercraft, and insurers may require specific underlying liability limits or exclude certain boats.
Does umbrella insurance cover teen drivers?
Umbrella insurance may provide additional liability protection for covered household drivers, including teen and young drivers, after the liability limits of an underlying auto insurance policy have been reached. Insurers may require certain underlying liability limits and all household drivers should be properly disclosed.
How do I get an umbrella insurance quote on Long Island, NY?
You can request an umbrella insurance quote from The Town Agency online or by calling our Garden City office. We help clients throughout Nassau County, Suffolk County, NYC and across New York State compare umbrella insurance options from multiple carriers.
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Get Your Long Island Umbrella Insurance Quote
The Town Agency helps individuals and families in Nassau County, Suffolk County, Garden City, NYC and throughout New York State compare umbrella insurance options from multiple carriers. Get started online or call our local Garden City insurance agency at 516-294-1000 for help choosing the right liability limit.
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