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Compare Umbrella Insurance Agents in Bernardsville, NJ
Compare umbrella insurance agents in Bernardsville. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Bernardsville, NJ
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 New Jersey before hiring.
Showing 2 umbrella insurance agents in Bernardsville, NJ
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Frantz Gaston Jr - State Farm Insurance Agent
80 Morristown Rd Unit 18, Bernardsville, NJ 07924
(908) 373-1111
fgjagcy.com
Hurley Agency, Insurance agency
170 Douglass Ave, Bernardsville, NJ 07924
(908) 625-9959
hurleyagency.com
An umbrella insurance agent in Bernardsville, New Jersey can help you secure extra liability coverage beyond your standard auto and homeowners policies. New Jersey law requires minimum auto liability limits of 15,000 dollars per person and 30,000 dollars per accident, but an umbrella policy provides additional protection against major claims. Local agents understand the specific risks for homeowners in Somerset County, such as pool or dog liability.
What Does a Umbrella Insurance Agent in Bernardsville Cost?
In New Jersey, umbrella insurance typically costs between 150 and 350 dollars per year for 1 million dollars in coverage. Premiums increase for higher limits, with 2 million dollars often costing 250 to 500 dollars annually. Costs vary based on factors like your driving record, property value, and number of vehicles. 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 Bernardsville do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding your primary insurance limits. They assess your assets and risk factors, such as property value or recreational vehicles, to recommend appropriate coverage amounts. In New Jersey, agents must be licensed by the state Department of Banking and Insurance.
How much umbrella insurance do I need in New Jersey?
Most experts recommend umbrella coverage equal to your net worth, typically starting at 1 million dollars. New Jersey courts can award large judgments in personal injury cases, so higher limits like 2 to 5 million dollars may be wise for high-net-worth individuals. Your agent can help calculate the right amount based on your specific situation.
Is umbrella insurance required by law in New Jersey?
No, umbrella insurance is not required by New Jersey law. However, it is strongly recommended for anyone with significant assets or potential liability risks. The state requires minimum auto liability coverage, but an umbrella policy provides an extra layer of protection against lawsuits.
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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 New Jersey.