The top-rated umbrella insurance agent in Needham, Massachusetts is Amparo Insurance LLC, rated 4.5 stars across 173 reviews. Other highly rated options include Acrisure Needham, MA (Aronson Insurance), AMD Insurance Group, LLC, Cohen-Miles Insurance Inc. This directory lists 16 umbrella insurance agents serving Needham.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Amparo Insurance LLC | 160 Gould St | (866) 746-0004 |
| 2 | Acrisure Needham, MA (Aronson Insurance) | 950 Highland Ave | (781) 444-3050 |
| 3 | AMD Insurance Group, LLC | 20 Chestnut St #1 | (617) 340-3151 |
| 4 | Cohen-Miles Insurance Inc | 105 Chestnut St STE 31 | (617) 489-1213 |
| 5 | Safety Northeast Insurance Agency | 648 Highland Ave | (781) 444-6790 |
| 6 | Kaplansky Insurance - Needham Branch | 10 Kearney Rd Suite 200 | (781) 453-2552 |
| 7 | Haskell Insurance Agency | 199 Chestnut St | (781) 449-2200 |
| 8 | Barry and Farrell Insurance Agency, Inc. | 61 Highland Ave | (781) 449-2400 |
| 9 | Ensured Insurance | 317 Chestnut St | (774) 340-2021 |
| 10 | Provider Group | 160 Gould St # 122 | (781) 444-0347 |
Amparo Insurance LLC serves Needham, MA, and the surrounding Norfolk County area as a local umbrella insurance agent. An umbrella insurance agent helps clients obtain excess liability coverage that extends beyond the limits of standard home and auto policies. This service is useful for property owners and professionals seeking to protect their assets from large claims. Amparo Insurance LLC specializes in assisting clients with personal umbrella policies and evaluating existing coverage limits.
Acrisure Needham, MA (Aronson Insurance) provides a range of umbrella insurance services to help clients secure additional liability coverage beyond their standard home and auto policies. Its service plans typically include a thorough review of existing policies to recommend appropriate extra protection limits for local residents and businesses. Maintenance may involve periodic coverage audits to ensure limits remain adequate as circumstances change. This agent services single-family homes, apartments, retail establishments, and restaurants throughout the area.
AMD Insurance Group, LLC serves clients in Needham, Massachusetts, and the surrounding communities. The company handles umbrella insurance coverage that extends liability protection beyond standard auto and homeowners policies. An umbrella policy provides an extra layer of financial security against major claims or lawsuits. The agency evaluates each client's existing insurance portfolio to determine appropriate additional coverage. It approaches a typical job by first reviewing the client's current liability limits and personal assets, then recommends a tailored umbrella limit that addresses specific exposure needs.
Cohen-Miles Insurance Inc in Needham, MA specializes in umbrella insurance coverage, offering added liability protection that extends beyond the limits of standard homeowners and auto policies. The agency serves local residents and businesses by helping them secure broader financial safeguards against major claims or lawsuits. During the winter months, when slip-and-fall incidents on icy properties become more common, the firm assists clients in reviewing their umbrella policies for adequate protection.
Safety Northeast Insurance Agency, based in Needham, MA, provides umbrella insurance coverage as either a one-time policy or an ongoing, recurring service. This additional liability protection extends beyond the limits of standard home and auto policies, a valuable safeguard for local homeowners and drivers. The agency focuses on matching each client’s exposure with an appropriate coverage layer. Service runs on either a one-time or scheduled renewal basis, depending on the policy structure chosen and client preference for annual review.
Kaplansky Insurance in Needham serves homeowners, businesses, and property managers seeking additional liability coverage through umbrella insurance. This type of policy extends beyond standard home or auto limits, helping protect local clients from major claims and lawsuits. The agency assists in assessing personal risk levels to select appropriate excess liability amounts for comprehensive safeguards. For those in Needham and surrounding areas, the team also readily handles policies for clients in neighboring cities such as Newton and within the greater Boston metro region.
As winter storms bring heavy snowfall to Needham each year, the financial risks from slip-and-fall accidents or property damage can create significant liability for local residents. Haskell Insurance Agency helps clients address these unexpected exposures by offering umbrella insurance policies that extend coverage beyond standard home and auto limits. These policies provide an extra layer of financial protection against costly lawsuits that can arise from common seasonal mishaps. A licensed agent begins the process by conducting a review of existing policies and discussing individual coverage needs.
Barry and Farrell Insurance Agency, Inc. works to secure policies that defend against major financial loss from liability lawsuits, with a focused practice in providing umbrella insurance coverage in the Needham area. This higher-limit coverage is sold as an add-on to existing homeowners and auto policies, filling gaps where standard liability limits end. The agency serves needs for general liability protection across commercial sectors such as offices, warehouses, and food service operations.
Based in Needham, MA, Ensured Insurance provides residential umbrella liability coverage to protect local homeowners and their assets. They also help businesses in the area extend their commercial liability limits beyond standard policies. Serving clients throughout the greater Boston region, their agents work to design broad liability protection that addresses property hazards and personal injury risks common to this community. After an initial umbrella policy is issued, the team maintains regular contact to recommend coverage adjustments as clients' needs evolve between policy reviews.
Provider Group is an umbrella insurance agent based in Needham, Massachusetts. The company helps clients secure additional liability coverage that extends beyond the limits of standard homeowners, auto, or watercraft policies. This service is designed to protect personal assets from major claims and lawsuits common in the area. The agency assists customers in selecting appropriate coverage limits and evaluating risk factors. Provider Group can also add specialty coverage for rental properties or personal watercraft to a standard policy.
What Does an a Umbrella Insurance Agent in Needham Cost?
In Massachusetts, a 1 million dollar umbrella policy typically costs between 150 and 300 dollars per year. For 2 million dollars of coverage, expect to pay 250 to 500 dollars annually. Costs vary based on your home, auto, and personal risk factors. This is general information and not insurance advice.
About umbrella insurance agents in Needham
An umbrella insurance agent in Needham Massachusetts can help you secure additional liability coverage beyond your auto and homeowners policies. Massachusetts law requires minimum auto liability limits of 20/40/5, but an umbrella policy provides extra protection for major claims or lawsuits. Local agents understand the specific risks for Needham residents, including pool ownership and dog liability issues.
Frequently Asked Questions
What is umbrella insurance and why do I need it in Needham?
Umbrella insurance provides extra liability coverage above your auto and home policies. In Needham, where property values are high, an umbrella policy can protect your savings and future earnings if you are sued for an accident or injury on your property.
How much umbrella coverage should I get as a Needham resident?
Most agents recommend at least 1 million dollars in umbrella coverage. Needham homeowners with swimming pools, trampolines, or rental properties may need 2 to 5 million dollars. Your agent will review your assets and risks to suggest an appropriate limit.
Do I need umbrella insurance if I have a homeowners policy in Massachusetts?
Yes, a standard Massachusetts homeowners policy has liability limits that may not cover a serious accident. Umbrella insurance extends your coverage and also covers certain claims like libel or slander that home policies exclude. It is a cost effective way to increase your protection.