The top-rated umbrella insurance agent in Scarborough, Maine is Michelle Raber - State Farm Insurance Agent, rated 5.0 stars across 347 reviews. Other highly rated options include Foy Insurance, A Division of World, Varney Agency, Sentinel Insurance Agency. This directory lists 11 umbrella insurance agents serving Scarborough.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michelle Raber - State Farm Insurance Agent | 696 US-1 | (207) 883-0111 |
| 2 | Foy Insurance, A Division of World | 152 US-1 Unit 11 | (207) 289-3850 |
| 3 | Varney Agency | 136 US-1 | (207) 883-8229 |
| 4 | Sentinel Insurance Agency | 14 Fieldways Rd | (207) 708-8211 |
| 5 | Embassy Auto Insurance - Cheap Auto Insurance Scarborough | 600 US-1 | (207) 383-4610 |
| 6 | Maine Health Solutions | 136 US-1 | (866) 228-5677 |
| 7 | Miller Associates | 636 US-1 Ste JA | (207) 510-6301 |
| 8 | Bankers Life | 360 US-1 Ste 202 | (207) 536-2742 |
| 9 | Hagerman Insurance | 162 US-1 | (207) 883-1411 |
| 10 | Veroneau Insurance | Scarborough, ME 04070 | (207) 749-6063 |
Michelle Raber - State Farm Insurance Agent in Scarborough, ME offers personalized umbrella insurance coverage. This company provides policies that extend liability protection beyond standard home and auto limits. Routine policy reviews and coverage assessments are part of its service approach to ensure adequate protection for changing circumstances. Clients can discuss their specific needs regarding income properties and commercial exposures. The firm services single-family homes, apartments, retail, and restaurants.
Foy Insurance, A Division of World in Scarborough, Maine, serves homeowners, businesses, and property managers who require additional liability protection beyond standard policy limits. Its umbrella insurance agents assess individual coverage gaps and secure extra layers of liability insurance to safeguard assets against major claims or lawsuits. Focused on risk mitigation and comprehensive coverage options for the local area, the agency frequently assists clients with policies for rental properties and commercial enterprises. The company also provides its insurance services to communities throughout the greater Portland metro region.
Varney Agency serves Scarborough, Maine, and its surrounding communities, handling umbrella insurance for individuals and families. This type of policy provides additional liability coverage beyond standard home and auto limits, protecting against major claims or lawsuits. The agency helps clients assess their personal assets and potential risks to determine appropriate coverage levels for added financial security. To handle a typical job, Varney Agency reviews existing primary insurance policies, identifies gaps in liability protection, and customizes an umbrella policy to fit the client’s specific needs.
Sentinel Insurance Agency provides umbrella insurance services to Scarborough, Maine, and the surrounding communities of Greater Portland and the southern coastal region. It handles supplemental liability coverage that extends protection beyond the limits of standard home and auto policies, safeguarding clients from major financial claims or lawsuits. The agency assesses each client’s personal assets and risk exposure to recommend appropriate policy limits. It then coordinates with existing insurers to ensure seamless integration of the umbrella policy with the underlying coverage.
Embassy Auto Insurance - Cheap Auto Insurance Scarborough provides umbrella liability coverage as a separate policy for excess protection, typically chosen on a one-time basis for a yearly term, while personal auto or homeowners policies renew on a set schedule. This coverage extends beyond standard policy limits to guard against major claims in Scarborough. Their umbrella insurance services run on a one-time, as-needed basis when clients request a new policy or renewal each term.
When coastal storms or nor’easters threaten the Scarborough area, property owners often face liability risks from falling trees or water damage to neighboring homes. Maine Health Solutions provides umbrella insurance policies designed to extend liability coverage beyond standard homeowners or auto limits, helping clients protect their assets against unforeseen claims and lawsuits. This agent can review your current policies to identify coverage gaps and recommend appropriate umbrella limits for your property and lifestyle. The process begins with a complimentary consultation to assess your specific insurance needs and current exposure levels.
Miller Associates provides umbrella insurance coverage to clients in the Scarborough, Maine area. This additional liability protection extends beyond the limits of standard auto, homeowners, or commercial policies, offering an extra layer of financial security. The firm helps local residents and business owners manage risk from major claims or lawsuits. Its commercial insurance work serves a variety of sectors, including offices, warehouses, and food service operations.
Bankers Life offers specialty umbrella insurance services, providing additional liability coverage that extends beyond standard home and auto policies. In Scarborough, Maine, the agency helps residents protect assets from major claims and lawsuits. Their umbrella policies can cover legal defense costs and settlement payouts. During the region’s winter storm season, when ice and snow create higher risks for slips or property damage on driveways and walkways, the agency guides clients in securing coverage for such liability exposures.
Based in Scarborough, Hagerman Insurance provides residential umbrella coverage for local homeowners. They also assist businesses in the area with commercial liability policies. Serving clients across Scarborough and the surrounding communities, the agency helps residents secure additional protection beyond standard underlying policies. Their focus remains on maintaining clear communication throughout the application process to ensure proper coverage limits are met. Many clients return for renewed policies or periodic policy reviews between major life changes.
Veroneau Insurance in Scarborough, Maine, offers both one-time policy placements and recurring review services for umbrella coverage, each providing liability protection above standard home and auto limits. This additional layer safeguards assets against major claims or lawsuits. Policyholders choose scheduled annual assessments to adjust coverage as their risk profile changes. The agency ensures all clients understand the scope of catastrophic loss protection tailored to their needs. Service operates on a scheduled, recurring basis to maintain adequate coverage over time.
What Does an a Umbrella Insurance Agent in Scarborough Cost?
The cost of an umbrella insurance policy in Maine typically ranges from 150 to 400 dollars per year for one million dollars in coverage. Factors that affect the premium include your driving record number of properties and whether you have teenage drivers or own a pool. Costs can be higher for those with multiple rental properties or a history of claims. This is general information and not insurance advice.
About umbrella insurance agents in Scarborough
An umbrella insurance agent in Scarborough Maine can help you secure extra liability coverage beyond standard home and auto policies. Maine law requires minimum liability limits for auto insurance but umbrella policies provide additional protection for assets and future earnings. Agents in Scarborough understand the unique risks of coastal living including weather events and recreational watercraft use.
Frequently Asked Questions
What does an umbrella insurance agent in Scarborough do?
An umbrella insurance agent helps you assess your personal liability exposure and find a policy that covers gaps in your existing insurance. They review your assets and risk factors specific to Maine such as owning a boat or rental property. The agent then obtains quotes from multiple carriers to find suitable coverage.
How much umbrella insurance do I need in Maine?
The amount of umbrella insurance you need depends on your total net worth and potential liability risks. A common recommendation is to have coverage equal to or greater than your total assets. Many Maine agents suggest starting with one million dollars in umbrella coverage and increasing from there based on your situation.
Is umbrella insurance required by law in Maine?
No umbrella insurance is not required by Maine law. However Maine requires all drivers to carry liability insurance with minimum limits of 50 thousand dollars for injury per person 100 thousand per accident and 25 thousand for property damage. An umbrella policy adds extra coverage above these minimums.