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Directory of umbrella insurance agents in Osterville, Massachusetts. Verify credentials with the state department of insurance before hiring.
3 agents listed
Updated May 2026
Osterville, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 3 umbrella insurance agents in Osterville, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Germani Insurance Agency
908 Main St, Osterville, MA 02655
(508) 428-9194
germaniinsurance.com
Leonard Insurance Agency
683 Main St B, Osterville, MA 02655
(508) 428-6921
leonardagency.com
Hahesy Insurance Agency
901 Main St Suite I, Osterville, MA 02655
(508) 771-3355
hahesyinsurance.com
Umbrella insurance provides extra liability coverage beyond standard home and auto policies. In Osterville, Massachusetts, agents can help you secure this protection to safeguard assets like coastal properties or investment accounts. Massachusetts law requires minimum auto liability limits, but an umbrella policy can offer additional security for local residents.
What Does a Umbrella Insurance Agent in Osterville Cost?
Umbrella insurance costs in Massachusetts generally range from 150 to 500 dollars per year for 1 million dollars of coverage. Higher limits, such as 2 to 5 million dollars, may cost 300 to 1,000 dollars annually. Factors like your driving record, number of properties, and claims history affect the premium. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Osterville do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims exceeding your primary insurance limits. They assess your assets and risks, such as a home on Cape Cod or a boat, to recommend appropriate coverage amounts. The agent also explains how Massachusetts insurance regulations affect your policy.
How much umbrella insurance do I need in Massachusetts?
Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth and potential liability risks. Massachusetts does not require umbrella insurance, but it is common for homeowners with significant assets or rental properties. Your agent can help calculate a suitable limit based on your financial situation.
Does umbrella insurance cover legal fees in Massachusetts?
Yes, umbrella policies typically cover legal defense costs for covered claims, even if the lawsuit is groundless. Massachusetts courts handle liability cases under state law, and the policy can pay for attorney fees and settlements up to the policy limit. Your agent can explain specific exclusions, such as for intentional acts or business activities.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.