The top-rated umbrella insurance agent in Hartford, Connecticut is The Hartford, rated 3.6 stars across 323 reviews. Other highly rated options include Shimkus, Murphy & Lemkuil, Inc., Farmers Insurance - Tina Virola, Travelers Insurance. This directory lists 11 umbrella insurance agents serving Hartford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Hartford | 1 Hartford Plaza | (860) 547-5000 |
| 2 | Shimkus, Murphy & Lemkuil, Inc. | 380 New Britain Ave | (860) 249-1396 |
| 3 | Farmers Insurance - Tina Virola | 321N Franklin Ave | (860) 541-5160 |
| 4 | Travelers Insurance | Tower Square, One | (888) 564-5043 |
| 5 | Insurance Services of the Northeast LLC | 641 Farmington Ave | (800) 216-2305 |
| 6 | Travelers | 300 Windsor St | (877) 828-4110 |
| 7 | Insurance Resource LLC | 84 Hamilton St | (860) 951-0600 |
| 8 | 72 Main Insurance | 72 Main St | (860) 524-9595 |
| 9 | Gallagher Insurance, Risk Management & Consulting | One Financial Plaza, 755 Main St 2nd Floor | (860) 426-6200 |
| 10 | Venture Point | 208 Murphy Rd | (860) 785-0501 |
What Does an a Umbrella Insurance Agent in Hartford Cost?
In Connecticut, a $1 million umbrella policy typically costs between $150 and $300 per year. A $2 million policy may cost $250 to $500 annually. Premiums vary based on your risk factors, such as number of vehicles, driving record, and property value. This is general information and not insurance advice.
About umbrella insurance agents in Hartford
An umbrella insurance agent in Hartford CT helps you secure additional liability coverage that goes beyond your auto or homeowners policy limits. Connecticut law requires minimum auto liability limits, but a personal umbrella policy can provide $1 million or more in extra protection. Working with a local agent ensures you understand how Connecticut’s comparative negligence rules may affect claims.
Frequently Asked Questions
What does an umbrella insurance agent do in Hartford?
An umbrella insurance agent helps you purchase a personal umbrella policy that provides extra liability coverage above your existing auto and home insurance. In Connecticut, this is especially important because the state follows a modified comparative negligence rule that can affect how much you pay in a lawsuit.
How much umbrella coverage should I get in Connecticut?
Most experts recommend at least $1 million in umbrella coverage, especially if you own a home or have significant assets. Connecticut courts can award large judgments, so higher limits like $2 million or $5 million may be wise for high net worth individuals.
Do I need umbrella insurance if I have a high net worth in CT?
Yes, Connecticut has no cap on personal injury damages, so a lawsuit could exceed your standard policy limits. Umbrella insurance protects your savings, home, and future earnings from being taken in a judgment.
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