The top-rated umbrella insurance agent in South Plainfield, New Jersey is Daniel Barros - State Farm Insurance Agent, rated 4.9 stars across 436 reviews. Other highly rated options include Frank P Licato Agency LLC, State Farm Insurance, Strategic Insurance Partners/Kape Insurance. This directory lists 10 umbrella insurance agents serving South Plainfield.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Daniel Barros - State Farm Insurance Agent | Ste 1W, 430 Hamilton Blvd S | (908) 941-9076 |
| 2 | Frank P Licato Agency LLC | 2325 Plainfield Ave #2a | (908) 757-5500 |
| 3 | State Farm Insurance | 430 Hamilton Blvd 1st Floor Ste 1W | (908) 941-9076 |
| 4 | Strategic Insurance Partners/Kape Insurance | 510 Hamilton Blvd | (908) 757-6666 |
| 5 | Amogh Associates Llc | 904 Oak Tree Ave Suite B | (908) 941-5248 |
| 6 | Kathy Jones Agency, LLC | 2406 Park Ave | (908) 251-2582 |
| 7 | Loyalty Insurance Agency | 2443 Plainfield Ave | (908) 340-0328 |
| 8 | Ramirez Insurance Agency | 142 Oak Tree Ave Suite 1D | (609) 451-0475 |
| 9 | BEEKAY FINANCIAL SERVICES | 50 Cragwood Rd | (908) 315-3956 |
| 10 | Cancela Insurance Brokerage LLC | 142 Oak Tree Ave #1c | (909) 568-1301 |
What Does an a Umbrella Insurance Agent in South Plainfield Cost?
The cost of an umbrella insurance policy in New Jersey typically ranges from 150 to 500 dollars per year for one million dollars in coverage, depending on your risk profile and insurance carrier. Higher coverage limits of two to five million dollars may cost between 300 and 1,000 dollars annually. Premiums vary based on factors such as the number of vehicles, driving record, and property value. This is general information and does not constitute insurance advice.
About umbrella insurance agents in South Plainfield
Umbrella insurance agents in South Plainfield, New Jersey help residents secure extra liability coverage that goes beyond the limits of standard auto and homeowners policies. This type of policy is especially valuable in New Jersey, where lawsuits for accidents or property damage can quickly exceed basic coverage limits. An agent can review your assets and risks to recommend an appropriate umbrella policy tailored to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in South Plainfield do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides additional coverage above your existing home and auto insurance. In New Jersey, this extra layer can protect your savings and future earnings from large claims or lawsuits. The agent will assess your personal risk factors and help you choose a policy limit that fits your situation.
How much umbrella insurance do I need in New Jersey?
The amount of umbrella insurance you need depends on your assets, income, and potential liability risks. Many New Jersey agents recommend at least one million dollars in coverage, but higher limits may be appropriate for those with significant assets or high-risk activities. Your agent can help calculate a suitable amount based on your net worth and exposure.
Is umbrella insurance required by law in New Jersey?
Umbrella insurance is not required by New Jersey law, but it is strongly advised for individuals with substantial assets or those who face higher liability risks. New Jersey has a high cost of living and a litigious environment, making extra liability coverage a prudent choice. An agent can explain how umbrella policies work with your existing auto and homeowners insurance.
Umbrella Insurance Agents in Other New Jersey Cities
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