The top-rated umbrella insurance agent in Malden, Massachusetts is Paul T. Murphy Insurance, rated 4.8 stars across 220 reviews. Other highly rated options include Sharlene Wulleman: Allstate Insurance, Derek Witham Insurance Agency, Inc., Ken Hodas Insurance. This directory lists 15 umbrella insurance agents serving Malden.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Paul T. Murphy Insurance | 628 Broadway | (781) 321-9700 |
| 2 | Sharlene Wulleman: Allstate Insurance | 146 Commercial St | (781) 605-2629 |
| 3 | Derek Witham Insurance Agency, Inc. | 269 Broadway | (781) 322-2886 |
| 4 | Ken Hodas Insurance | 269 Broadway | (781) 868-4243 |
| 5 | Avanti Insurance Agency, Inc. | 17 Charles St | (781) 324-6301 |
| 6 | MANSOUR INSURANCE | 380 Pleasant St | (978) 278-5339 |
| 7 | Prescott & Son Insurance | 963 Eastern Ave | (781) 322-2350 |
| 8 | J. Mallon Insurance, LLC | 1 Centre St Ste 3B | (781) 321-2233 |
| 9 | Supino Insurance Agency, Inc. | 1012 Eastern Ave | (781) 322-2800 |
| 10 | Lister Insurance Agency Inc. | 963 Eastern Ave | (781) 393-9330 |
Paul T. Murphy Insurance serves clients throughout Malden, MA, as a local provider of umbrella insurance agent services. This firm helps homeowners and drivers obtain additional liability coverage that extends beyond the limits of their standard policies. An umbrella policy can protect assets and future earnings against major claims or lawsuits. The agency also assists customers in coordinating this added layer of protection with their existing home and auto liability policies.
Sharlene Wulleman: Allstate Insurance provides umbrella insurance and related personal liability protection for clients in Malden, MA. The agency helps individuals and families secure higher liability limits beyond standard home or auto policies, offering straightforward coverage options. Maintenance plans involve periodic policy reviews to adjust limits as assets or circumstances change. The agency services a variety of properties, including single-family homes, apartments, retail locations, and restaurants.
Derek Witham Insurance Agency, Inc. serves homeowners, landlords, and small businesses in Malden, MA, offering umbrella liability policies that provide additional coverage above standard auto and property limits. The agency helps clients protect assets from major claims and lawsuits. By specializing in excess liability, it ensures that policyholders have a critical financial safety net against unforeseen incidents. The firm also provides comprehensive protection to residents and property owners across nearby Medford and the greater Boston metropolitan area.
Ken Hodas Insurance serves the Malden, Massachusetts area and surrounding communities, handling personal umbrella insurance policies that provide added liability coverage beyond standard auto and homeowners limits. This coverage helps protect local residents against major claims and lawsuits. For each client, the agency assesses existing policies to recommend appropriate excess liability limits. It typically works to coordinate seamlessly with primary carriers to ensure consistent protection across all policies without coverage gaps or overlaps.
Avanti Insurance Agency, Inc., located in Malden, MA, offers umbrella insurance coverage through flexible service arrangements, typically chosen by clients as either a one-time policy purchase or a recurring annual renewal. This type of extra liability protection extends beyond standard homeowners or auto limits, safeguarding assets and future earnings against major claims. Policies are tailored to individual exposure levels, helping residents address risks from accidents or injuries on their property. The agency generally operates on a one-time, scheduled, or as-needed basis depending on the client’s specific coverage demands and renewal preferences.
Mansour Insurance specializes in umbrella liability coverage, offering extended protection beyond standard auto and homeowners policies for residents of Malden, Massachusetts. The agency helps clients secure added security against major claims and lawsuits, addressing the financial risks that can arise from everyday accidents. An umbrella policy from this local agent assists with coverage gaps that could otherwise strain personal assets. This expert guidance proves especially useful during winter, when snow-related incidents on driveways and walkways increase the risk of costly liability claims.
As the New England storm season brings heavy rain and coastal flooding to Malden, residents often worry about liability exposure beyond standard coverage limits. Prescott & Son Insurance provides umbrella insurance policies that extend protection for these added risks, helping safeguard personal assets against major claims. The agency takes a thorough approach, beginning each new client relationship with a careful review of existing policies to determine appropriate coverage levels. An initial consultation and quote assessment are arranged to start this process.
J. Mallon Insurance, LLC in Malden, MA provides general coverage services to individuals and local businesses. The agency specializes specifically in umbrella insurance agent work, offering supplementary liability policies that extend beyond standard limits. These additional layers of protection help clients manage potential financial risks associated with major claims or lawsuits. The agency serves a range of commercial sectors, including offices, warehouses, and food service operations.
Supino Insurance Agency, Inc., based in Malden, provides umbrella insurance for residential properties to extend liability protection beyond standard homeowners policies. The company also covers commercial accounts, offering an additional layer of coverage for businesses operating in the greater Malden area. These supplementary policies help safeguard assets by filling gaps where primary insurance limits may fall short. Clients often return after policy renewals or when needing adjustments as their personal or business exposures change between regular policy cycles.
Lister Insurance Agency Inc. is known for providing comprehensive umbrella insurance coverage to residents and businesses in Malden, MA. It offers liability protection that extends beyond the limits of standard auto, homeowners, or watercraft policies to cover major claims and lawsuits. Services are tailored to meet both personal and commercial needs in the local area, helping clients defend assets against unforeseen financial risks. The agency also specializes in supporting homeowners who rent out properties and require higher liability limits.
What Does an a Umbrella Insurance Agent in Malden Cost?
The cost of umbrella insurance in Massachusetts typically ranges from 150 to 400 dollars per year for one million dollars of coverage. Factors that affect the price include your number of vehicles driving record home value and claims history. Higher coverage limits of two million or more can cost 300 to 800 dollars annually. This is general information and not insurance advice.
About umbrella insurance agents in Malden
Umbrella insurance provides extra liability coverage beyond your auto or homeowners policy. In Malden Massachusetts agents can help you secure a policy that meets state minimums and protects your assets. Massachusetts law does not require umbrella insurance but it can be important for residents with significant assets or higher risk profiles.
Frequently Asked Questions
What does umbrella insurance cover in Malden Massachusetts?
Umbrella insurance covers personal liability claims such as bodily injury property damage and certain lawsuits. It kicks in after your underlying auto or homeowners policy limits are exhausted. In Massachusetts it can also cover legal defense costs for claims not covered by primary policies.
How much umbrella insurance do I need in Malden?
Most agents recommend at least one million dollars in coverage but the right amount depends on your assets and risk exposure. Massachusetts courts can award large judgments so a higher limit may be wise if you own a home have savings or face potential lawsuits. An agent can help assess your specific needs.
Do I need underlying policies to buy umbrella insurance in Massachusetts?
Yes you must have a base auto or homeowners policy with certain minimum liability limits. In Massachusetts the typical underlying requirement is 250000 per person and 500000 per accident for auto liability and 300000 for homeowners liability. Your agent will verify these limits before issuing an umbrella policy.