The top-rated umbrella insurance agent in Commack, New York is Cary Nichols - GEICO Insurance Agent, rated 4.8 stars across 6,043 reviews. Other highly rated options include Purdy Good Coverage Corp: Allstate Insurance, Jacquelyn Jacobson - State Farm Insurance Agent, Ted Kosmidis - State Farm Insurance Agent. This directory lists 12 umbrella insurance agents serving Commack.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cary Nichols - GEICO Insurance Agent | 75 Henry St | (631) 623-4460 |
| 2 | Purdy Good Coverage Corp: Allstate Insurance | 356 Veterans Memorial Hwy Ste 1 | (516) 283-5960 |
| 3 | Jacquelyn Jacobson - State Farm Insurance Agent | 354 Veterans Memorial Hwy Ste 9 | (631) 343-4142 |
| 4 | Ted Kosmidis - State Farm Insurance Agent | 31 Vanderbilt Motor Pkwy | (631) 499-2901 |
| 5 | Tango, Tango & Tango, Inc. | 1139 Jericho Tpke 5 Suite 5 | (631) 543-0500 |
| 6 | Aljay Insurance Brokerage Ltd. | 6143 Jericho Tpke Suite 100 | (631) 261-3988 |
| 7 | Apex Insurance Services | 6080 Jericho Tpke # 101 | (516) 898-8000 |
| 8 | Sure Policy Group | 66 Commack Rd #308 | (631) 729-9562 |
| 9 | MJ Kim - State Farm Insurance Agent | 2102 Jericho Tpke | (631) 543-0400 |
| 10 | Chirichella John | 66 Commack Rd # 205 | (631) 462-1332 |
Cary Nichols - GEICO Insurance Agent serves Commack and the surrounding Suffolk County area as an umbrella insurance agent, offering liability coverage designed to protect personal assets beyond standard policy limits. The agency assists clients in securing an extra layer of financial security against major claims and lawsuits. It also advises on qualifying policy requirements, including underlying auto renters or homeowners coverage. The agency handles both personal umbrella insurance and risk assessment for high-net-worth individuals in the area.
Purdy Good Coverage Corp: Allstate Insurance in Commack, NY, provides umbrella insurance policies that extend liability coverage beyond standard auto and homeowner limits. The company offers service plans to review existing policies, helping clients understand how additional coverage layers work. It helps address potential gaps resulting from accidents or lawsuits. The agency serves a variety of property types, including single-family homes, apartments, retail spaces, and restaurants seeking higher limits for broader financial protection.
Jacquelyn Jacobson’s State Farm Insurance Agency in Commack, NY, provides umbrella liability coverage for local homeowners, rental property owners, and small businesses seeking extra protection beyond standard policies. The agency helps clients secure higher liability limits to safeguard assets against major claims or lawsuits. Coverage extends to personal and commercial exposures, offering a crucial layer of financial defense. Serving all of Suffolk County, the office also advises residents in nearby Huntington and Smithtown on tailoring umbrella policies to their unique risk profiles.
Serving Commack, New York, and the surrounding Long Island communities, Ted Kosmidis - State Farm Insurance Agent handles personal umbrella insurance policies. These policies provide additional liability coverage beyond standard homeowners and auto insurance limits. The agent helps clients protect their assets by offering broader protection against major claims and lawsuits. A typical job begins with a thorough review of existing policies to identify coverage gaps. From there, the agent presents liability options that extend financial protection for greater peace of mind.
Aljay Insurance Brokerage Ltd. in Commack, NY specializes in arranging umbrella insurance policies that extend liability coverage beyond standard home and auto limits. It handles claims that exceed underlying policy caps, offering an additional layer of financial protection for clients. The company also provides general insurance guidance, helping individuals assess their risk exposure and secure appropriate liability coverage. During unpredictable storm seasons on Long Island, it assists with broadening protection against accidents involving property damage or personal injury that standard policies may not fully address.
As the seasons change in Commack, residents often review their property coverage for gaps in liability protection. Apex Insurance Services helps local homeowners and renters address these risks through umbrella insurance options designed to safeguard assets beyond standard policy limits. Their agents evaluate each client’s unique exposure to potential lawsuits or accident-related costs in the surrounding area. To begin this tailored approach, scheduling a personal assessment of current policies and coverage needs is the first recommended step.
Sure Policy Group assists local clients with standard liability policies and offers umbrella insurance add-ons to increase coverage limits. Located in Commack, NY, the agency helps individuals and businesses guard against large claims that might exceed underlying policies. These extra layers of protection address risks arising from everyday activities or unexpected events. Commercial umbrella insurance can be tailored to serve a range of sectors, including professional offices, warehouses, and food service operations.
MJ Kim - State Farm Insurance Agent in Commack, NY, provides umbrella insurance for residential properties, offering additional liability protection above standard homeowners policies. Commercial coverage is also available for local businesses, extending liability limits for various operations. Serving Commack and the surrounding Long Island area, the agency helps clients safeguard their assets from major claims and lawsuits. Regular policy reviews are conducted during visits, with follow-up service typically coordinated between annual renewals to ensure coverage remains aligned with changing needs.
Chirichella John provides broad liability insurance coverage that extends beyond standard policy limits to protect against major claims and lawsuits. As an umbrella insurance agent in Commack, New York, the company offers specialty add-ons that shield clients from catastrophic financial loss with additional layers of protection. Every policy serves to cover gaps left by home, auto, or watercraft insurance. The agent can serve commercial sectors requiring robust liability defense, including offices, warehouses, and food service operations.
What Does an a Umbrella Insurance Agent in Commack Cost?
Typical costs for a 1 million umbrella policy in New York range from 150 to 300 per year for a single vehicle and home. Adding a second vehicle or a rental property may increase the premium to 200 to 400 annually. Costs vary based on your claims history, credit score, and location in Commack. This is general information and not insurance advice.
About umbrella insurance agents in Commack
An umbrella insurance agent in Commack New York can help you secure extra liability coverage beyond your standard auto and homeowners policies. New York law requires minimum auto liability limits of 25,000 per person and 50,000 per accident, but a personal umbrella policy provides additional protection for major claims or lawsuits. Working with a local agent ensures your policy meets New York state requirements and addresses regional risks like winter slip and fall incidents.
Frequently Asked Questions
What does an umbrella insurance agent in Commack do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims above your primary insurance limits. In New York, this agent can advise on minimum coverage amounts and ensure compliance with state regulations. They also help you bundle policies for potential discounts.
How much umbrella coverage do I need in New York?
Most experts recommend at least 1 million in umbrella coverage for New York residents due to high medical costs and litigation risks. Your agent will assess your assets and income to suggest an appropriate limit. New York courts often award large judgments, making higher limits advisable.
Can I get umbrella insurance if I have a rental property in Commack?
Yes, umbrella insurance covers rental properties if you have a landlord policy as the underlying coverage. New York landlord liability laws require you to maintain safe premises. An agent can help you add rental property protection to your umbrella policy.
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