The top-rated umbrella insurance agent in Middletown, Connecticut is Globe Life American Income Division: Prata Organization, rated 4.9 stars across 2,644 reviews. Other highly rated options include Curt Smith - State Farm Insurance Agent, Caleb Carney - State Farm Insurance Agent, Bafumi Insurance Agency, A Division of World. This directory lists 13 umbrella insurance agents serving Middletown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life American Income Division: Prata Organization | 100 Roscommon Dr Suite 308 | (860) 632-0061 |
| 2 | Curt Smith - State Farm Insurance Agent | 134 Main Street Extension STE 300 | (860) 398-6364 |
| 3 | Caleb Carney - State Farm Insurance Agent | 401 Newfield St | (860) 346-4442 |
| 4 | Bafumi Insurance Agency, A Division of World | 59 Broad St | (860) 347-3530 |
| 5 | Get Insured America | 430 Highland Ave #1 | (860) 346-7755 |
| 6 | Valk Insurance Group, Llc: Allstate Insurance | 300 Plaza Middlesex, 203 Main St | (203) 265-0477 |
| 7 | Nationwide Insurance: Dunn Insurance, Inc. | 198 S Main St | (860) 347-4924 |
| 8 | Spark Insurance Agency | 62 Washington St | (860) 294-9054 |
| 9 | NFP, an Aon company | 386 Main St | (860) 346-9661 |
| 10 | Rice, Davis, Daley & Krenz Inc | 50 Washington St | (860) 346-6611 |
Globe Life American Income Division: Prata Organization serves the Middletown, Connecticut metro area and surrounding communities as an umbrella insurance agent. It provides liability coverage that extends beyond standard policy limits for individuals seeking additional financial protection. The company helps clients manage personal assets through supplemental policies. Its services address risks that may not be fully covered by basic home or auto insurance. The agency handles excess liability claims protection and specialized coverage for a variety of personal liability exposures.
Curt Smith - State Farm Insurance Agent in Middletown, CT serves homeowners, businesses, and property managers who need umbrella insurance coverage. This local agency helps clients protect personal assets and commercial liability exposures beyond standard policy limits. Tailored umbrella policies aim to provide an extra financial safety net for unexpected claims, lawsuits, or judgments. Common scenarios include incidents on residential property, rental units, or business premises. The agency also serves clients in surrounding communities such as Cromwell, offering the same comprehensive liability guidance to families and operators throughout central Connecticut.
Caleb Carney - State Farm Insurance Agent in Middletown, CT provides umbrella insurance coverage designed to extend liability protection beyond standard home and auto policies. The agency helps clients assess their risk exposure and select appropriate additional coverage limits. Regular policy reviews are offered to ensure protections align with changing assets or circumstances. This service includes analyzing potential liabilities from property ownership or personal activities. The company services single-family homes, apartments, retail, and restaurants.
Bafumi Insurance Agency, A Division of World, serves Middletown, Connecticut and the surrounding communities of Middlesex County with personal umbrella insurance policies. This agency handles excess liability coverage that extends beyond the limits of standard auto and homeowners policies, protecting clients from major claims and lawsuits. To assess a typical risk, it reviews a client’s existing underlying policies and personal assets, then calculates appropriate coverage limits to ensure cost-effective protection against unforeseen liabilities.
Get Insured America in Middletown, CT assists clients who require either a one-time umbrella insurance policy or an ongoing renewal service option. Such coverage extends basic liability limits, offering extra financial protection against major claims or lawsuits that could otherwise exceed standard home or auto policies. This extra layer helps safeguard personal assets and future income. Service appointments for this umbrella insurance agent are arranged on an as-needed basis, allowing clients to request help only when a new policy is required.
As summer storms roll through Middletown, property owners often seek protection beyond standard policies, which is where Nationwide Insurance: Dunn Insurance, Inc. steps in as an umbrella insurance agent. They offer policies that extend liability coverage, helping to safeguard savings and future assets against major claims or lawsuits. This additional layer of security can prove crucial for homeowners and drivers alike. A consultation with this local agent can clarify personal risk exposure and involves a detailed review of current coverages before a policy is crafted.
Spark Insurance Agency helps clients manage liability risks through general coverage measures and specialized umbrella insurance add-ons. These policies provide an extra layer of protection beyond standard limits, addressing gaps for property owners and businesses facing higher exposure claims. Serving Middletown, Connecticut, the agency works with commercial sectors such as offices, warehouses, and food service establishments to tailor appropriate liability solutions for each operation.
NFP, an Aon company in Middletown, CT, serves as a local umbrella insurance agent specializing in residential liability protection. They also address commercial coverage needs for small to mid-sized businesses throughout the Middlesex County area. Understanding that standard liability limits may not fully shield assets, these agents provide added layers of security against major claims. Their service often continues beyond the initial policy placement, as clients frequently return for coverage reviews between regular visits to ensure adequate protection.
Rice, Davis, Daley & Krenz Inc, based in Middletown, CT, is an agency dedicated to providing umbrella insurance policies that extend liability coverage beyond the limits of standard homeowners and auto policies. Serving clients throughout the local area, the firm helps individuals and families protect their savings and future earnings from major claims or lawsuits. Their expertise includes evaluating personal risk exposure to recommend appropriate policy limits. Among its offerings, the agency provides specialized umbrella coverage for landlords with rental properties.
What Does an a Umbrella Insurance Agent in Middletown Cost?
In Connecticut, umbrella insurance typically costs between 150 and 350 dollars per year for 1 million dollars in coverage. Premiums vary based on your claims history, number of vehicles, and property values. Higher coverage limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. This is general information and not insurance advice.
About umbrella insurance agents in Middletown
An umbrella insurance agent in Middletown Connecticut helps you secure extra liability coverage that goes beyond your auto and homeowners policies. Connecticut law requires minimum auto liability limits but umbrella policies provide an additional layer for major claims or lawsuits. Local agents understand the specific risks in Middlesex County and can tailor coverage to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Middletown do?
An umbrella insurance agent helps you evaluate your current liability risks and recommends a policy that adds coverage above your existing limits. They assess factors like your assets, driving history, and property to determine the right amount of protection. The agent then shops among insurers to find a policy that fits your situation.
How much umbrella coverage do I need in Connecticut?
Most agents suggest at least 1 million dollars in umbrella coverage to protect major assets like a home or savings. Connecticut courts can award large judgments in personal injury cases, so higher limits may be wise for high-net-worth individuals. Your agent will calculate the appropriate amount based on your net worth and potential exposure.
Can I get umbrella insurance if I have a poor driving record in Connecticut?
Yes, but your options may be limited and premiums could be higher. Connecticut insurers consider your driving history when underwriting umbrella policies. An agent can help you find carriers that specialize in higher-risk applicants and explain any surcharges you might face.
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