ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of umbrella insurance agents in Baldwinsville, New York. Verify credentials with the state department of insurance before hiring.
8 agents listed
Updated May 2026
Baldwinsville, NY
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 York before hiring.
Showing 8 umbrella insurance agents in Baldwinsville, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Horan Companies - The Insurance Place
63 E Genesee St Suite B, Baldwinsville, NY 13027
(315) 635-2095
horaninsured.com
Scott Northrup - State Farm Insurance Agent
52 Oswego St #1, Baldwinsville, NY 13027
(315) 303-4426
scottnorthrupinsurance.com
Heritage Insurance Agency, Inc.
8 Tappan St, Baldwinsville, NY 13027
(315) 925-5300
heritageagencies.com
White Harbor Group Insurance
26 E Genesee St #305, Baldwinsville, NY 13027
(315) 352-0035
whginsurance.com
State Farm Insurance
60 1/2 Salina St, Baldwinsville, NY 13027
(315) 638-0247
statefarm.com
Higgins Insurance Agency
2273 Downer St, Baldwinsville, NY 13027
(315) 635-0050
higginsins.com
Huntington Insurance Agency
6 Southgate Rd, Baldwinsville, NY 13027
(315) 635-9795
thehuntingtonagency.com
Mirabito-Gresham Insurance & Bonds Agency, LLC
16 Oswego St, Baldwinsville, NY 13027
(315) 635-7600
mirabitogresham.com
An umbrella insurance agent in Baldwinsville, New York can help you secure additional liability coverage that goes beyond your auto or homeowners policy limits. This extra layer of protection is especially valuable in New York, where lawsuits and high medical costs can quickly exceed standard policy caps. Local agents understand the specific risks faced by residents of Onondaga County and can tailor coverage to your needs.
What Does a Umbrella Insurance Agent in Baldwinsville Cost?
The cost of an umbrella insurance policy in New York typically ranges from 150 to 500 dollars per year for one million dollars in coverage. Premiums vary based on factors such as your driving record, the number of properties you own, and your claims history. Higher coverage limits, such as two or five million dollars, will increase the premium. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
* 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 Baldwinsville do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides coverage above your existing home and auto insurance. They assess your assets and risk exposure to recommend appropriate coverage limits. In New York, this can protect against large claims from accidents or property damage.
How much umbrella coverage do I need in New York?
Most experts recommend at least one million dollars in umbrella coverage, but the exact amount depends on your net worth and potential liability risks. New York courts often award higher settlements than other states, making higher limits advisable for homeowners and business owners. Your agent can help calculate a suitable amount based on your assets.
Is umbrella insurance required by law in New York?
No, umbrella insurance is not legally required in New York. However, it is strongly recommended for individuals with significant assets or high liability risks. New York law requires minimum auto liability coverage of 25,000 dollars per person and 50,000 dollars per accident, which may not be enough in a serious accident.
Free • No Obligation
Compare Umbrella Insurance Agents
Get matched with agents in Baldwinsville who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
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 York.