ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Umbrella Insurance Agents Near You in Middletown, CT

Browse umbrella insurance agents serving Middletown, Connecticut. Updated 2026-07-14.

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.

Showing 13 umbrella insurance agents in Middletown, CTListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Globe Life American Income Division: Prata Organization100 Roscommon Dr Suite 308(860) 632-0061
2Curt Smith - State Farm Insurance Agent134 Main Street Extension STE 300(860) 398-6364
3Caleb Carney - State Farm Insurance Agent401 Newfield St(860) 346-4442
4Bafumi Insurance Agency, A Division of World59 Broad St(860) 347-3530
5Get Insured America430 Highland Ave #1(860) 346-7755
6Valk Insurance Group, Llc: Allstate Insurance300 Plaza Middlesex, 203 Main St(203) 265-0477
7Nationwide Insurance: Dunn Insurance, Inc.198 S Main St(860) 347-4924
8Spark Insurance Agency62 Washington St(860) 294-9054
9NFP, an Aon company386 Main St(860) 346-9661
10Rice, Davis, Daley & Krenz Inc50 Washington St(860) 346-6611
GL
100 Roscommon Dr Suite 308
Globe Life American Income Division: Prata Organization
Umbrella Insurance Agent · Middletown, CT

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.

CS
134 Main Street Extension STE 300
Curt Smith - State Farm Insurance Agent
Umbrella Insurance Agent · Middletown, CT

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.

CC
401 Newfield St
Caleb Carney - State Farm Insurance Agent
Umbrella Insurance Agent · Middletown, CT

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.

BI
59 Broad St
Bafumi Insurance Agency, A Division of World
Umbrella Insurance Agent · Middletown, CT

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.

GI
430 Highland Ave #1
Get Insured America
Umbrella Insurance Agent · Middletown, CT

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.

VI
300 Plaza Middlesex, 203 Main St
Valk Insurance Group, Llc: Allstate Insurance
Umbrella Insurance Agent · Middletown, CT
NI
198 S Main St
Nationwide Insurance: Dunn Insurance, Inc.
Umbrella Insurance Agent · Middletown, CT

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.

SI
62 Washington St
Spark Insurance Agency
Umbrella Insurance Agent · Middletown, CT

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.

NA
386 Main St
NFP, an Aon company
Umbrella Insurance Agent · Middletown, CT

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.

RD
50 Washington St
Rice, Davis, Daley & Krenz Inc
Umbrella Insurance Agent · Middletown, CT

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.

SW
954 Newfield St
State Wide Insurance
Umbrella Insurance Agent · Middletown, CT
(860) 883-2048
statewidect.com
KI
505 Main St
KGS Insurance Services LLC
Umbrella Insurance Agent · Middletown, CT
(860) 704-8020
kgsinsurance.com
GF
430 Highland Ave
Granite Financial LLC
Umbrella Insurance Agent · Middletown, CT
(860) 346-7755

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.

Umbrella Insurance Agents in Other Connecticut Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.