The top-rated umbrella insurance agent in Medford, Massachusetts is Risman Insurance Agency, rated 4.8 stars across 228 reviews. Other highly rated options include Daniel N O'Rourke Insurance Inc, Bates Insurance Agency Inc., Pompeo & Sons Insurance Agency, Inc. This directory lists 16 umbrella insurance agents serving Medford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Risman Insurance Agency | 689 Fellsway | (781) 396-2116 |
| 2 | Daniel N O'Rourke Insurance Inc | 429 High St | (781) 396-8244 |
| 3 | Bates Insurance Agency Inc. | 92 High St B1 | (781) 396-4985 |
| 4 | Pompeo & Sons Insurance Agency, Inc | 464 High St | (781) 391-1630 |
| 5 | Farnam Insurance, LLC - Home, Auto, Life, Business | 5 Forest St | (781) 395-4466 |
| 6 | Gilbert Insurance Agency | 402 Salem St | (781) 391-3240 |
| 7 | R J Quinn Insurance | City Building, 15 Main St | (781) 395-8400 |
| 8 | Francis C Vita Insurance Inc | 2 River St | (781) 396-4915 |
| 9 | Nobile Insurance Agency Medford | 39 Salem St | (781) 395-4200 |
| 10 | Midwest Insurance Services | 196 Boston Ave | (781) 654-8016 |
Risman Insurance Agency serves the Medford area and surrounding Middlesex County as a provider of umbrella liability coverage. An umbrella policy extends additional liability protection above the limits of standard homeowners and auto insurance, helping safeguard personal assets against major claims or lawsuits. The agency works with clients to evaluate their current coverage gaps and secure an appropriate policy limit. Its professionals assist individuals and families in Medford with both personal umbrella insurance and excess liability protection for rental properties.
Daniel N. O'Rourke Insurance Inc provides umbrella insurance agent services to clients throughout the Medford, MA area. Its primary offerings focus on securing additional liability coverage that extends beyond the limits of standard homeowners and auto policies. The firm assists local property owners with evaluating their personal assets and risk exposure to determine appropriate policy levels. Ongoing policy reviews are offered to ensure clients maintain adequate protection as their circumstances change. The agency services a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Homeowners, property managers, and businesses in Medford, Massachusetts turn to Bates Insurance Agency Inc. for personal umbrella liability policies that provide extra coverage beyond standard home or auto limits. The agency helps clients protect assets from major claims and lawsuits with strong layers of excess liability protection. Its umbrella insurance agents assess individual risk profiles to recommend appropriate policy limits. This independent firm also serves clients throughout neighboring Somerville and the greater Medford metro area, ensuring comprehensive liability coverage for a wide range of policyholders.
Pompeo & Sons Insurance Agency, Inc serves Medford, Massachusetts and the surrounding communities of Malden, Somerville, and Arlington, handling personal umbrella insurance policies that provide an additional layer of liability coverage beyond standard home and auto limits. These policies help protect clients from major claims and lawsuits that could otherwise threaten their assets. The agency approaches each policy by carefully reviewing a client’s existing underlying coverage to ensure the umbrella properly aligns with their specific risk exposure and lifestyle.
Farnam Insurance, LLC in Medford, MA provides umbrella insurance, which offers additional liability coverage beyond standard home, auto, life, and business policies. The agency serves clients seeking broader financial protection across these personal and commercial lines, working to help secure their assets from major claims and lawsuits. A common concern is the increased liability risk that comes with hosting holiday gatherings or family events, as standard policies may not fully cover related accidents on one’s property.
Gilbert Insurance Agency in Medford, MA distinguishes between one-time policy reviews that verify current umbrella coverage limits and a recurring service model that adjusts liability layers as personal assets grow. Umbrella insurance agents in this area help clients secure additional liability protection beyond standard home and auto policies against major claims. Coverage typically extends to situations such as property damage, bodily injury, and legal defense costs. Service runs on either a scheduled annual review or an as-needed basis when a client acquires new property or faces increased risk exposure.
As winter snow and ice recede in Medford, home and business owners begin evaluating their liability exposures for the coming year. R J Quinn Insurance serves this ongoing need as an umbrella insurance agent, offering additional coverage layers beyond standard auto, home, or commercial policies. This extra protection helps shield personal and professional assets when underlying policy limits are exhausted, a concern in a densely populated area with higher claim risks. Their process typically begins with an on-site or remote inspection to review existing policies and assess current liability gaps.
Francis C Vita Insurance Inc in Medford, MA is known for providing umbrella insurance coverage that extends liability protection beyond standard policies. The agency serves local residents and businesses needing an extra layer of security against major claims or lawsuits. Their work includes analyzing client assets and recommending appropriate policy limits. They can add on specialty personal umbrella insurance for high-net-worth individuals with unique exposures.
Nobile Insurance Agency Medford handles residential umbrella insurance, providing extra personal liability coverage beyond standard homeowners or auto policies. It also assists commercial clients who require higher policy limits to protect their business operations throughout Medford and the surrounding Massachusetts region. The agency works to tailor coverage to individual needs, ensuring appropriate protection for various risk profiles. Clients often return to discuss adjustments or renewals between regular visits, maintaining their coverage as circumstances evolve.
What Does an a Umbrella Insurance Agent in Medford Cost?
In Massachusetts, the typical cost for a 1 million dollar umbrella insurance policy ranges from 150 to 300 dollars per year. A 2 million dollar policy usually costs between 200 and 400 dollars annually. Premiums depend on factors like your driving record, number of properties, and number of vehicles. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
About umbrella insurance agents in Medford
An umbrella insurance agent in Medford Massachusetts helps you secure additional liability coverage that kicks in when your home or auto policy limits are exhausted. Massachusetts law requires minimum liability limits on auto policies, but a serious accident can quickly exceed those amounts. A local agent can assess your personal risk and recommend an appropriate umbrella policy to safeguard your savings and property.
Frequently Asked Questions
What does an umbrella insurance agent in Medford do?
An umbrella insurance agent in Medford reviews your existing home and auto policies to determine the right amount of excess liability coverage. They help you purchase a policy that covers legal costs and settlements above your primary insurance limits. This is especially important in Massachusetts where minimum auto liability is only 20,000 per person and 40,000 per accident.
How much umbrella coverage do I need in Massachusetts?
Most agents recommend at least 1 million dollars in umbrella coverage for Massachusetts residents who own a home or have significant savings. Higher limits of 2 to 5 million may be appropriate for those with rental properties, boats, or higher income. Your agent will review your net worth and potential lawsuit risks to suggest a suitable amount.
Is umbrella insurance required by Massachusetts law?
No, Massachusetts does not require umbrella insurance by law. However, it is strongly recommended because the state mandates only low minimum liability limits on auto policies. Without an umbrella policy, a lawsuit could put your personal assets at risk if damages exceed your primary coverage.