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Find Umbrella Insurance Agents Near You in Kearny, NJ

Browse umbrella insurance agents serving Kearny, New Jersey. Updated 2026-07-14.

The top-rated umbrella insurance agent in Kearny, New Jersey is John Costa - State Farm Insurance Agent, rated 4.5 stars across 228 reviews. Other highly rated options include MSM Insurance Agency, Secured Insurance Agency, Dynasty Agency. This directory lists 10 umbrella insurance agents serving Kearny.

Showing 10 umbrella insurance agents in Kearny, NJListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1John Costa - State Farm Insurance Agent214 Kearny Ave(201) 998-5600
2MSM Insurance Agency78 John Miller Way Suite 326(973) 319-4081
3Secured Insurance Agency728 Kearny Ave b(201) 998-3400
4Dynasty Agency83 Kearny Ave(201) 997-2303
5The Bixler Group, LLC758 Kearny Ave(201) 991-0032
6Borgos Hanlon Henry & Garcia Inc593 Kearny Ave(201) 991-8700
7Hilb Group839 Kearny Ave(201) 997-0060
8Jersey Travel Center & Insurance53 Kearny Ave(201) 991-3315
9Truck Insurance Agency1 Hackensack Ave(973) 578-8787
10Gadget Guard Insurance Kearny34 Davis Ave(551) 319-4022
JC
214 Kearny Ave
John Costa - State Farm Insurance Agent
Umbrella Insurance Agent · Kearny, NJ

John Costa - State Farm Insurance Agent serves Kearny, NJ, and the surrounding Hudson County area. The agency provides umbrella insurance policies that offer additional liability protection beyond standard home and auto coverage. This extra layer of coverage can help safeguard personal assets from major claims or lawsuits. For clients in Kearny, the agency assists with tailoring umbrella insurance to complement existing policies and secure extended liability limits for greater financial peace of mind.

MI
78 John Miller Way Suite 326
MSM Insurance Agency
Umbrella Insurance Agent · Kearny, NJ

MSM Insurance Agency provides umbrella insurance policies that extend personal liability coverage beyond the limits of standard homeowner, auto, and watercraft policies. The company emphasizes evaluating a client’s existing liability exposures and designing an excess layer of protection to guard against large claims or lawsuits. Annual policy reviews help ensure coverage levels remain adequate as personal assets or risk profiles change. Regular consultations document updated property values or new acquisitions. MSM Insurance Agency services single-family homes, apartments, retail spaces, and restaurants.

SI
728 Kearny Ave b
Secured Insurance Agency
Umbrella Insurance Agent · Kearny, NJ

Secured Insurance Agency serves the greater Kearny, New Jersey community and surrounding municipalities, handling umbrella insurance policies that provide additional liability coverage beyond standard homeowners and auto policies. These policies protect clients from major claims and lawsuits that exceed primary insurance limits. The agency works closely with policyholders to evaluate their existing coverage and identify potential gaps, then tailors an umbrella plan to address those specific risks. It approaches each job by thoroughly reviewing the client's total asset exposure and current policies.

DA
83 Kearny Ave
Dynasty Agency
Umbrella Insurance Agent · Kearny, NJ

Homeowners, businesses, and property managers in Kearny, NJ rely on Dynasty Agency for umbrella insurance. These policies provide additional liability coverage beyond standard home or auto policies, protecting assets from major claims. The agency assists clients in assessing their risk exposure and securing higher coverage limits. By connecting clients with appropriate insurance carriers, they help bridge gaps in existing protection. Dynasty Agency also serves clients throughout surrounding Hudson County communities, including nearby Jersey City neighborhoods that often face similar liability concerns.

BG
758 Kearny Ave
The Bixler Group, LLC
Umbrella Insurance Agent · Kearny, NJ

Operating in Kearny, NJ, The Bixler Group, LLC distinguishes between one-time policy setup for immediate liability protection and ongoing consultation that adapts coverage to shifting risks. As an umbrella insurance agent, the company focuses on securing additional liability layers that extend beyond standard homeowners or auto policies, safeguarding future assets. Local clients often require tailored excess coverage to address regional exposures. Their service operates strictly on an as-needed basis, ensuring clients receive dedicated attention only when they initiate a request or face a coverage gap.

BH
593 Kearny Ave
Borgos Hanlon Henry & Garcia Inc
Umbrella Insurance Agent · Kearny, NJ

Borgos Hanlon Henry & Garcia Inc in Kearny, New Jersey specializes in umbrella insurance coverage that extends liability limits beyond standard policies, providing an extra layer of financial protection for individuals and families. The agency manages such policies to safeguard assets from major claims or lawsuits. It works closely with clients to determine appropriate coverage levels for their specific property and liability exposures. As the winter season approaches, the firm helps homeowners assess potential risks associated with icy sidewalks and snow removal accidents on their premises.

HG
839 Kearny Ave
Hilb Group
Umbrella Insurance Agent · Kearny, NJ

When unexpected storms or seasonal liability risks increase across Kearny, property owners often need broader coverage than a standard policy provides. Hilb Group serves as an umbrella insurance agent in this area, helping clients secure additional protection that extends beyond underlying homeowners or auto liability limits. They assess individual exposures, explain how layers of supplemental coverage can fill gaps, and recommend appropriate policy options tailored to each situation. The process typically begins with a thorough review of current policies and a site evaluation of the property to identify potential vulnerabilities.

JT
53 Kearny Ave
Jersey Travel Center & Insurance
Umbrella Insurance Agent · Kearny, NJ

Jersey Travel Center & Insurance provides general insurance services in Kearny, New Jersey, and adds specialized umbrella insurance coverage as an extension for clients. This extra layer protects policyholders against catastrophic claims that exceed standard policy limits. The firm serves local offices needing elevated liability protection, warehouses requiring additional coverage for operational risks, and food service establishments that must address unique public liabilities.

TI
1 Hackensack Ave
Truck Insurance Agency
Umbrella Insurance Agent · Kearny, NJ

Truck Insurance Agency provides residential umbrella insurance coverage to homeowners in Kearny, New Jersey, ensuring they have added liability protection beyond standard policies. The agency also serves commercial clients, offering similar excess liability solutions for businesses operating across the local region. Each client meets with an agent to determine appropriate coverage limits based on individual property and risk factors. The office coordinates carefully with primary insurers to fill any gaps in protection. Clients frequently call the agency again for policy reviews or updates between regular quarterly check-ins.

GG
34 Davis Ave
Gadget Guard Insurance Kearny
Umbrella Insurance Agent · Kearny, NJ

Gadget Guard Insurance Kearny is an insurance agent in Kearny, New Jersey, known for offering umbrella liability policies that provide extra coverage beyond standard home and auto limits. Its service range includes supplemental protection for area residents and businesses seeking added financial security against major claims. By extending liability coverage, it helps safeguard personal assets from unforeseen lawsuits. A specialty service it can add on is coverage for rental properties, ensuring landlords and tenants are protected from possible accident-related expenses.

What Does an a Umbrella Insurance Agent in Kearny Cost?

The cost of an umbrella insurance policy in New Jersey typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 million or 5 million dollars, cost more and can range from 250 to 600 dollars annually. Your final premium depends on factors like your driving record, number of properties, and claims history. This is general information and not insurance advice.

About umbrella insurance agents in Kearny

Umbrella insurance agents in Kearny New Jersey help residents and businesses secure additional liability coverage that goes beyond the limits of standard home and auto policies. In New Jersey, umbrella policies typically require you to carry minimum underlying coverage amounts, such as 250,000 dollars for bodily injury per person and 500,000 dollars per accident. A local agent can review your assets and recommend appropriate coverage limits to protect against lawsuits and large claims.

Frequently Asked Questions

What does an umbrella insurance agent in Kearny do?

An umbrella insurance agent in Kearny helps you purchase a personal or commercial umbrella policy that provides extra liability protection. They assess your current insurance limits and recommend a policy that covers gaps in your existing coverage. This is important in New Jersey because state law requires minimum auto liability limits that may not fully protect your assets.

How much umbrella coverage do I need in New Jersey?

The amount of umbrella coverage you need depends on your total assets and potential liability risks. Many New Jersey agents suggest at least 1 million dollars in umbrella coverage for homeowners with significant assets. Your agent can help calculate the right amount based on your net worth and lifestyle.

Can I get umbrella insurance without a home or auto policy in New Jersey?

No, umbrella insurance in New Jersey requires you to have an underlying home or auto policy with specific minimum limits. Most carriers require at least 300,000 dollars in combined single limit auto liability or 300,000 dollars in homeowners liability. An agent can help you meet these requirements before adding umbrella coverage.

Umbrella Insurance Agents in Other New Jersey Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.