The top-rated umbrella insurance agent in Salem, Massachusetts is Zellik Insurance Agency, Inc., rated 5.0 stars across 101 reviews. Other highly rated options include Farquhar and Black Insurance Agency, 4 Insurance LLC, Quote Carma. This directory lists 16 umbrella insurance agents serving Salem.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Zellik Insurance Agency, Inc. | 37 Bridge St | (978) 594-0815 |
| 2 | Farquhar and Black Insurance Agency | 45 Traders Way Building 10 | (781) 599-2200 |
| 3 | 4 Insurance LLC | 121 Loring Ave STE 825 | (855) 322-4509 |
| 4 | Quote Carma | 88B Lafayette St | (203) 872-7280 |
| 5 | Ahmed Insurance Inc | 106 North St | (978) 745-8800 |
| 6 | John J. Walsh Insurance Agency, Inc. - Salem Office | 87 Margin St | (978) 745-3300 |
| 7 | William C Burke Jr Insurance | 18 Brown St | (978) 741-7800 |
| 8 | Relation Insurance Services | 18 Hawthorne Blvd #3710 | (978) 744-4540 |
| 9 | Culver Insurance | 20 Central St # 2 | (978) 744-1753 |
| 10 | Essex Edge Insurance Co. | 84 Highland Ave | (351) 212-2040 |
Zellik Insurance Agency, Inc. serves the Essex County area, including Salem, Massachusetts, as a local provider of umbrella insurance agent services. This agency helps clients secure additional liability coverage that extends beyond the limits of standard homeowners and auto policies. By offering this layer of protection, it assists residents in safeguarding their assets against major claims or lawsuits. Its work includes evaluating personal risk exposure and finding appropriate policy limits. It handles personal umbrella liability policies and excess liability coverage.
Farquhar and Black Insurance Agency provides umbrella insurance services, offering liability coverage that extends beyond standard policy limits to protect clients in Salem, Massachusetts. The agency helps clients design personal or commercial umbrella policies, and its ongoing account maintenance includes periodic policy reviews to ensure adequate limits as circumstances change. It handles claims assistance when umbrella coverage is needed, coordinating with underlying insurers. The agency serves single-family homes, apartments, retail establishments, and restaurants, tailoring the excess liability coverage to each property’s specific risk exposure.
4 Insurance LLC in Salem, Massachusetts serves homeowners, businesses, and property managers by offering umbrella insurance policies. These policies provide additional liability coverage beyond standard insurance limits, protecting assets and savings. The agency helps clients in Salem and surrounding areas secure extra financial safeguards against large claims or lawsuits. It also covers neighboring communities such as Beverly and the greater North Shore region.
For a one-time policy, Quote Carma in Salem, Massachusetts helps clients secure personal liability protection above standard homeowners or auto limits, while the recurring service option involves annual policy reviews and adjustments to their umbrella coverage. These layers safeguard assets and future earnings against major claims or lawsuits. Primary policies such as auto and home are required to carry minimum coverage limits to qualify. Operating in Salem, the service runs on both a one-time and as-needed basis for policy changes or renewals.
Ahmed Insurance Inc in Salem, MA, specializes in providing umbrella insurance coverage that extends beyond standard policy limits, offering broader liability protection for individuals and families. Their general services include evaluating existing home, auto, and watercraft policies to identify gaps in coverage. They also assist clients in safeguarding personal assets against potential lawsuits or major claims. This company helps residents address increased liability exposure, such as after a significant purchase or before hosting a large seasonal gathering on the North Shore.
John J. Walsh Insurance Agency, Inc. - Salem Office serves clients in Salem and the surrounding North Shore communities of Massachusetts. It handles all facets of umbrella insurance for individuals and families, providing an extra layer of personal liability coverage beyond standard home or auto policies. This agent works closely with you to assess your current asset exposure, then carefully matches its policies to your specific lifestyle risks. A typical job begins by reviewing your existing insurance portfolio and ends with a clear explanation of your new coverage gap protection.
As the nor'easter season brings heavy rains and coastal flooding to Salem, William C Burke Jr Insurance helps homeowners and landlords review their liability coverage to protect against large claims an umbrella policy can address beyond standard limits. This agency specializes in securing excess liability policies that work as a safety net over auto and home insurance. The initial step involves a complimentary consultation to assess current coverage and identify exposed assets that could benefit from broader protection.
Relation Insurance Services in Salem, Massachusetts provides umbrella insurance policies that extend liability coverage beyond the limits of standard home and auto policies. Its service includes assessment of clients' asset exposure and coordination with primary insurers to ensure seamless policy integration. Routine reviews with policyholders adjust coverage as personal circumstances evolve. The agency services a range of properties, including single-family homes, apartments, retail spaces, and restaurants.
Culver Insurance in Salem, MA provides comprehensive umbrella liability coverage that extends beyond standard policy limits for individuals and businesses alike. The agency focuses on helping clients secure added protection against major claims and lawsuits that could otherwise exceed primary insurance. It assists with evaluating personal and commercial exposures to determine appropriate coverage levels. Culver Insurance serves a variety of commercial sectors including offices, warehouses, and food service establishments throughout the Salem area.
Essex Edge Insurance Co. in Salem, MA provides residential umbrella insurance to help protect homeowners from large liability claims beyond standard policy limits. Commercial coverage is also available for small to mid-sized local businesses. Serving Salem and the surrounding North Shore communities, the agency works with clients to assess overall risk exposure and secure appropriate additional liability layers. Regular follow-up reviews are conducted between scheduled policy renewals to adjust coverage for any changes in assets or property.
What Does an a Umbrella Insurance Agent in Salem Cost?
The cost of an umbrella insurance policy in Massachusetts typically ranges from $150 to $400 per year for one million dollars in coverage. Higher limits, such as two million dollars, may cost between $250 and $600 annually. Premiums vary based on your personal risk profile, number of properties, and driving record. This is general information and not insurance advice.
About umbrella insurance agents in Salem
An umbrella insurance agent in Salem can help you secure additional liability coverage beyond your standard auto and homeowners policies. In Massachusetts, where coastal properties and historic homes present unique risks, umbrella policies often require a minimum underlying liability limit of $250,000 for auto insurance and $100,000 for homeowners insurance. Working with a local agent ensures your policy aligns with state regulations and your specific needs.
Frequently Asked Questions
What does an umbrella insurance agent do in Salem?
An umbrella insurance agent helps you evaluate your existing liability coverage and recommends an umbrella policy to protect your assets. They assess your risk factors, such as property value and lifestyle, and guide you through the application process with carriers licensed in Massachusetts.
How much umbrella coverage do I need in Massachusetts?
The amount of umbrella coverage depends on your net worth and potential liability exposure. Common policy limits start at one million dollars and go up to five million dollars or more. An agent can help you calculate a suitable amount based on your assets and Massachusetts legal environment.
Are there specific Massachusetts laws for umbrella insurance?
Massachusetts requires that your underlying auto and homeowners policies meet certain minimum liability limits before you can purchase an umbrella policy. The state also has a statute of limitations of three years for personal injury lawsuits and six years for property damage claims, which affects your risk exposure.