The top-rated umbrella insurance agent in Paramus, New Jersey is GEORGIA PINES AGENCY, LLC,Miramar Insurance Agency, rated 5.0 stars across 146 reviews. Other highly rated options include Cangelosi Agency, Richard Sfass at Comparion Insurance Agency, Jim Bush - State Farm Insurance Agent. This directory lists 20 umbrella insurance agents serving Paramus.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | GEORGIA PINES AGENCY, LLC,Miramar Insurance Agency | 214 Rte 4 | (201) 843-8680 |
| 2 | Cangelosi Agency | 214 Rte 4 | (973) 427-9005 |
| 3 | Richard Sfass at Comparion Insurance Agency | 61 S Paramus Rd Ste 520 | (908) 673-6053 |
| 4 | Jim Bush - State Farm Insurance Agent | 237 W Midland Ave | (201) 444-4424 |
| 5 | Mariel Gramuglia at Comparion Insurance Agency | 61 S Paramus Rd Suite 520 | (201) 221-1449 |
| 6 | Robert Giella at Comparion Insurance Agency | 61 S Paramus Rd Suite 520 | (201) 221-1447 |
| 7 | Comparion Insurance Agency | 61 S Paramus Rd Suite 520 | (201) 845-4300 |
| 8 | Coverage Cowboy | 66 NJ-17 Suite 300 | (551) 455-0769 |
| 9 | Deysi Fajardo at Comparion Insurance Agency | 61 S Paramus Rd Ste 520 | (908) 553-4087 |
| 10 | Michael Laudenback at Comparion Insurance Agency | 61 S Paramus Rd Suite 520 | (201) 221-1450 |
GEORGIA PINES AGENCY, LLC, also known as Miramar Insurance Agency, serves clients throughout Bergen County and the surrounding region as a dedicated umbrella insurance agent. It provides excess liability coverage that extends beyond the limits of standard homeowners and auto policies to offer broader financial protection for individuals and families. This agency focuses on helping local residents safeguard assets against major lawsuits and unforeseen claims. Specific services it handles in this area include personal liability umbrella policies and excess liability consulting for property owners.
Cangelosi Agency provides personal umbrella liability coverage for clients in Paramus, New Jersey, offering an additional layer of protection beyond standard home and auto policies. It helps safeguard assets by extending liability limits and covering incidents excluded from underlying insurance. Service plans include policy review and customizing coverage limits based on individual risk factors. The agency services single-family homes, apartments, retail, and restaurants.
Homeowners, businesses, and property managers in Paramus turn to Richard Sfass at Comparion Insurance Agency for umbrella insurance coverage. This type of policy extends liability protection beyond standard auto and homeowners limits, offering crucial financial defense against major claims or lawsuits. As a local specialist, Richard helps clients assess their personal risk exposure and secure appropriate coverage amounts. The agency also provides guidance and quotes for clients throughout nearby Hackensack and the broader Bergen County area.
Jim Bush's umbrella insurance agency serves clients in Paramus, New Jersey, and the surrounding Bergen County communities. The office handles personal umbrella liability policies that provide additional coverage beyond standard auto and homeowners insurance. This extra layer of protection helps address claims that exceed existing policy limits. Typical coverage includes legal defense costs and liabilities from certain accidents or incidents on the property. To assess a client's risk, the agency reviews the individual's existing policies and assets, then matches them with a suitable umbrella plan for comprehensive security.
Mariel Gramuglia at Comparion Insurance Agency specializes in securing umbrella insurance policies that provide extended liability coverage beyond standard home and auto limits. In Paramus, NJ, the agency also assists clients with assessing their overall risk exposure and adjusting existing policies to ensure sufficient protection. Navigating the financial vulnerability of a lawsuit is a primary concern for many in this area. The agency particularly helps homeowners and vehicle owners address the elevated liability risks associated with hosting gatherings or having teenage drivers on the policy.
As the seasons change in Paramus, new risks can arise around the home that standard policies may not fully address. Robert Giella at Comparion Insurance Agency offers umbrella insurance agent services designed to provide an extra layer of liability protection for local residents. This coverage helps safeguard assets against major claims or lawsuits that exceed basic policy limits, offering broader financial security for homeowners in the area. The first step begins with a straightforward inspection of your current policies to identify potential coverage gaps.
Comparion Insurance Agency in Paramus, New Jersey, offers both one-time and recurring service options for securing umbrella insurance. One-time service typically covers a single policy purchase, while recurring service provides annual policy reviews and renewals to adjust coverage limits. Umbrella insurance from a local agent generally extends liability protection beyond standard home and auto policies, safeguarding personal assets against major claims. This agency serves clients on a one-time, scheduled, or as-needed basis, depending on the client’s preference and coverage requirements.
Coverage Cowboy offers professional umbrella insurance agent services to clients in Paramus, New Jersey, helping them secure additional liability coverage beyond standard policies. Umbrella insurance provides an extra layer of financial protection for various personal and commercial risks. Common add-ons include excess personal liability, commercial liability extension, and coverage for legal defense costs not fully covered by underlying policies. This independent agency can design umbrella policies for offices, warehouses, and food service operations.
Deysi Fajardo at Comparion Insurance Agency provides residential umbrella coverage for homeowners in Paramus, offering added liability protection beyond standard policies. The agency also serves commercial clients, shielding local businesses from large lawsuit claims across Bergen County and surrounding areas. These policies cover incidents on the property or involving personal activities, ensuring comprehensive asset protection. Existing policyholders often return for regular policy reviews or to update coverage after significant life events between their periodic insurance check-ins.
Michael Laudenback at Comparion Insurance Agency in Paramus, New Jersey, is known for helping clients secure personal umbrella insurance policies that extend liability coverage well beyond standard home and auto limits. The agency serves local homeowners, drivers, and renters seeking added financial protection. A typical policy provides coverage in one-million-dollar increments. In addition to umbrella policies, the agency offers specialty add-on options such as excess liability coverage for rental properties or recreational vehicles.
What Does an a Umbrella Insurance Agent in Paramus Cost?
The typical cost for an umbrella insurance policy in Paramus, New Jersey ranges from 150 to 400 per year for 1 million in coverage. For 2 million in coverage, costs usually fall between 250 and 600 annually. Factors like your driving record, home value, and number of properties affect the premium. This is general information and not insurance advice.
About umbrella insurance agents in Paramus
An umbrella insurance agent in Paramus, New Jersey helps you secure extra liability coverage beyond your standard auto or homeowners policy. New Jersey requires minimum auto liability limits of 15000 per person and 30000 per accident, but an umbrella policy can add 1 million or more in protection. This extra layer is especially useful for Paramus residents who host events or have assets to protect.
Frequently Asked Questions
What does an umbrella insurance agent in Paramus do?
An umbrella insurance agent in Paramus helps you purchase a personal liability umbrella policy that covers claims above your primary insurance limits. They assess your assets and risk factors to recommend an appropriate coverage amount. The agent also explains how New Jersey law affects your policy, such as the requirement to maintain underlying auto and home insurance.
How much umbrella coverage do I need in New Jersey?
Most agents recommend at least 1 million in umbrella coverage for New Jersey residents, but higher limits like 2 million or 5 million are common for those with significant assets. Your agent will consider your home value, savings, and potential lawsuit risks in Paramus. New Jersey does not set a specific minimum for umbrella policies, but your underlying insurance must meet the carriers requirements.
Does New Jersey law affect umbrella insurance costs?
Yes, New Jersey law requires all drivers to carry liability insurance, and umbrella policies must follow state regulations. The cost of an umbrella policy in Paramus typically ranges from 150 to 400 per year for 1 million in coverage, depending on your risk profile. New Jersey does not cap umbrella premiums, so rates vary by insurer and your personal factors.
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