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Browse umbrella insurance agents serving Livingston, New Jersey. Contact information and addresses listed below.
7 agents listed
Updated May 2026
Livingston, 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 7 umbrella insurance agents in Livingston, 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.
Sandra Suarez - State Farm Insurance Agent
2 E Northfield Rd Suite #6, Livingston, NJ 07039
(973) 994-0500
sandramyagent.com
Infinity Guard Insurance Agency
600 S Livingston Ave, Livingston, NJ 07039
(973) 315-7621
Florence Insurance NJ
75 County Rd 508, Livingston, NJ 07039
(862) 201-5025
integratedplan.net
World Insurance Associates LLC
301 S Livingston Ave # 100, Livingston, NJ 07039
(973) 994-9898
locations.worldinsurance.com
Strategic Insurance Agency Inc.
568 S Livingston Ave, Livingston, NJ 07039
(973) 422-1324
strategic-insurance.com
Wharton Lyon Lyon
101 S Livingston Ave, Livingston, NJ 07039
(973) 992-5775
whartoninsurance.com
Anthony Santarella - Prudential Financial
256 S Livingston Ave, Livingston, NJ 07039
(973) 597-9700
prudential.com
Umbrella insurance provides an extra layer of liability protection beyond your standard auto or homeowners policy. In Livingston, New Jersey, this coverage is especially valuable given the state's higher property values and litigation risks. A local agent can help you assess your personal liability exposure and secure a policy that meets New Jersey's minimum requirements.
What Does a Umbrella Insurance Agent in Livingston Cost?
The cost of umbrella insurance in New Jersey typically ranges from $150 to $400 per year for $1 million in coverage, depending on your risk profile and the number of vehicles or properties. Higher limits, such as $2 million, may cost $250 to $600 annually. Premiums are generally lower for individuals with clean driving records and no prior claims. 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 Livingston do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that kicks in when your underlying auto or home insurance limits are exhausted. They evaluate your assets, such as your home and savings, to recommend appropriate coverage limits. 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 at least $1 million in umbrella coverage, but your needs depend on your net worth and risk factors. In New Jersey, where average home values exceed $400,000, higher limits may be prudent. Your agent can help calculate a suitable amount based on your specific financial situation.
Can I add umbrella insurance to my existing policy in Livingston?
Yes, umbrella insurance is typically added as a separate policy on top of your existing auto or homeowners insurance. Many carriers require you to have minimum underlying liability limits, such as $300,000 for auto insurance in New Jersey. Your agent can coordinate the coverage with your current insurer.
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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 New Jersey.