The top-rated umbrella insurance agent in Elizabeth, New Jersey is Cuartas Insurance Agency, rated 4.9 stars across 570 reviews. Other highly rated options include UPIX INSURANCE, Zenith Agency LLC, InsureOne Insurance. This directory lists 13 umbrella insurance agents serving Elizabeth.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cuartas Insurance Agency | 34 Rankin St | (908) 764-0271 |
| 2 | UPIX INSURANCE | 729 Edgar Rd | (908) 845-7722 |
| 3 | Zenith Agency LLC | 1000 Elizabeth Ave suite b | (908) 355-0070 |
| 4 | InsureOne Insurance | 1089 Elizabeth Ave #7 | (908) 452-7032 |
| 5 | RCX Insurance Agency | 847 E Jersey St | (908) 355-0111 |
| 6 | New Century Insurance Agency Brokerage | 443 Elizabeth Ave | (908) 576-6821 |
| 7 | Global Insurance Agency | 514 Westfield Ave #1 | (908) 469-8441 |
| 8 | Alpha Agency LLC | 89 Elmora Ave | (908) 659-0010 |
| 9 | Universal Financial Insurance Agency - UFIA | 500 Rahway Ave | (908) 469-0714 |
| 10 | ARRIETA INSURANCE AGENCY | 570 N Broad St suite 7 | (866) 233-0480 |
Cuartas Insurance Agency serves the Elizabeth, New Jersey, metro area as an umbrella insurance agent, offering policies that provide additional liability coverage beyond standard home and auto policies. This extra layer of protection helps clients guard against major claims and lawsuits that could otherwise exceed their primary insurance limits. The agency specializes in helping residents and small business owners in Union County assess their risk exposure and secure appropriate umbrella policies. Specific services include personal umbrella insurance for excess liability protection and business umbrella coverage for broader asset safeguarding.
UPIX INSURANCE provides comprehensive umbrella insurance coverage in Elizabeth, New Jersey, offering policies that extend liability protection beyond standard home and auto policies. It assists clients in safeguarding personal assets from major claims and lawsuits. Service plans include personalized consultations to assess unique coverage needs and ongoing policy reviews to ensure adequate protection over time. The company serves a variety of properties, including single-family homes, apartments, retail establishments, and restaurants.
Zenith Agency LLC serves homeowners, businesses, and property managers in Elizabeth, New Jersey, by connecting them with umbrella insurance policies that provide extra liability coverage beyond standard limits. The agency helps clients protect their assets from large claims or lawsuits resulting from accidents or property damage. By working with multiple insurance carriers, it offers coverage options tailored to individual risk profiles and property holdings. The agency also serves clients throughout Union County and the greater Newark metropolitan area.
InsureOne Insurance provides umbrella insurance services for individuals and businesses in Elizabeth, New Jersey. The agency helps clients secure additional liability coverage that extends beyond the limits of standard homeowners, auto, or watercraft policies. This coverage protects assets and offers broader protection against major claims or lawsuits. The agency assists entities that require higher liability limits or operate in medium-exposure environments. Commercial clients it can serve include those running offices, warehouses, and food service operations.
RCX Insurance Agency serves the greater Elizabeth, New Jersey area and its surrounding communities as a specialty provider of personal umbrella liability coverage. The firm handles excess liability policies that extend above the limits of standard homeowners and auto insurance, protecting clients from major claims and lawsuits. For each client, it assesses current underlying policies to recommend an appropriate coverage amount, then secures a layered policy from a major carrier to ensure seamless protection and risk transfer.
New Century Insurance Agency Brokerage in Elizabeth, NJ, distinguishes between one-time and recurring service options for clients seeking liability protection. As an umbrella insurance agent, the company provides supplemental coverage that extends beyond the limits of standard auto and homeowners policies. This extra layer of financial security helps safeguard personal assets against major claims or lawsuits. The agency operates on a scheduled service basis, ensuring that clients receive consistent policy reviews and updates to maintain adequate coverage levels over time.
Global Insurance Agency specializes in umbrella insurance policies that offer extra liability coverage beyond standard homeowners and auto insurance limits. The agency works in Elizabeth, New Jersey, providing residents and businesses with protection against major claims and lawsuits. It evaluates individual risk profiles to determine appropriate coverage levels. This service is particularly valuable during the winter months, when increased risks of slip-and-fall incidents on icy property can lead to costly liability claims.
As winter storms approach Elizabeth, NJ, drivers and homeowners often realize their standard policies may not offer enough liability protection for accidents or property damage. Alpha Agency LLC responds by offering umbrella insurance policies designed to fill these coverage gaps. Working with licensed carriers, the agency helps clients assess their personal assets and lifestyle risks to determine an appropriate policy limit. Coverage typically extends beyond auto and home insurance to protect against unforeseen lawsuits. The process begins with a free initial assessment to review existing policies and identify necessary coverage levels.
Universal Financial Insurance Agency - UFIA, based in Elizabeth, NJ, provides umbrella insurance services that extend liability coverage beyond the limits of standard policies. This specialty layer of protection is designed for clients who require higher limits against claims and lawsuits. The agency assists both individuals and businesses in managing risk exposure by adding essential coverage for unforeseen events. Its services are particularly relevant for commercial sectors such as offices, warehouses, and food service operations requiring robust asset protection.
ARRIETA INSURANCE AGENCY in Elizabeth, New Jersey, provides umbrella liability insurance for residential clients, extending coverage beyond standard home policies. The agency also serves commercial accounts, protecting local business assets against major claims. Its services reach throughout the Elizabeth area and surrounding communities. Between regular policy check-ins, the agency contacts clients to review any changes in coverage needs. This follow-up helps ensure that umbrella protection remains appropriate from one annual review to the next.
What Does an a Umbrella Insurance Agent in Elizabeth Cost?
The cost for a one million dollar umbrella insurance policy in New Jersey typically ranges from 150 to 300 dollars per year. Factors like your driving record, number of properties, and number of vehicles affect the premium. Higher coverage limits, such as two or five million dollars, cost more but still remain affordable. This is general information and not insurance advice.
About umbrella insurance agents in Elizabeth
An umbrella insurance agent in Elizabeth, New Jersey helps you secure extra liability coverage that goes beyond your auto or homeowners policy limits. New Jersey law requires minimum auto liability limits, but an umbrella policy can protect your assets from large claims. Working with a local agent ensures you understand how state-specific rules affect your coverage needs.
Frequently Asked Questions
What does an umbrella insurance agent in Elizabeth do?
An umbrella insurance agent helps you purchase a personal liability policy that provides coverage above your existing auto and home insurance limits. In New Jersey, this agent can explain how umbrella policies interact with the state mandatory minimum coverage requirements.
How much umbrella coverage do I need in New Jersey?
Most agents recommend at least one million dollars in umbrella coverage for New Jersey residents. The exact amount depends on your assets, income, and risk factors like owning a pool or having a teenage driver.
Can I get umbrella insurance if I do not own a home in Elizabeth?
Yes, you can get umbrella insurance even if you rent an apartment or live in a condo in Elizabeth. You must first have a basic auto or renters policy in place, as umbrella coverage sits on top of those policies.
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