The top-rated umbrella insurance agent in Huntington, New York is The Michaels Group, rated 5.0 stars across 757 reviews. Other highly rated options include Kelly Schumacher - State Farm Insurance Agent, Joe Mattera - State Farm Insurance Agent, K&N Insurance Brokerage. This directory lists 19 umbrella insurance agents serving Huntington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Michaels Group | 425 New York Ave Suite 102 | (631) 629-2233 |
| 2 | Kelly Schumacher - State Farm Insurance Agent | 1870 E Jericho Tpke Unit 9 | (631) 629-4100 |
| 3 | Joe Mattera - State Farm Insurance Agent | 82 Main St #101 | (631) 683-5400 |
| 4 | K&N Insurance Brokerage | 1730 E Jericho Tpke | (631) 646-9090 |
| 5 | Borg Insurance Agency | 148 E Main St #106 | (631) 673-7600 |
| 6 | Keefe Consulting Corp. | 140 E Main St #6 | (631) 824-9642 |
| 7 | Shane Roer Agency Inc. | 7 High St Ste 305 | (631) 923-2840 |
| 8 | JW Hirschfeld Agency Inc | 299 Main St | (631) 421-2525 |
| 9 | Heather Schaefer - State Farm Insurance Agent | 158 E Main St #1 | (631) 479-4809 |
| 10 | Renee Berges - State Farm Insurance Agent | 490 New York Ave | (631) 424-6333 |
The Michaels Group serves Huntington and the surrounding Suffolk County area as an umbrella insurance agent, specializing in providing extra liability coverage that extends beyond the limits of standard homeowners and auto policies. These policies help protect clients from major claims and lawsuits that could otherwise threaten personal assets. The firm assists with assessing individual risk exposure. It handles both commercial and personal umbrella insurance solutions for local residents and businesses.
Kelly Schumacher - State Farm Insurance Agent in Huntington, NY, provides comprehensive umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Its service includes tailoring coverage levels to match individual risk profiles, with options for policy reviews and adjustments as client needs change. Regular maintenance plans involve periodic assessments to ensure adequate protection against rising assets or new exposures. The company serves a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Serving Huntington and its surrounding communities across Long Island, Joe Mattera - State Farm Insurance Agent handles umbrella insurance for local residents and businesses. This type of policy provides additional liability coverage beyond standard auto or homeowners limits. It helps protect assets like savings and property from major claims or lawsuits. The agent typically assesses each client's personal risk exposure and existing coverage to recommend an appropriate liability limit. In a typical job, he reviews the client's current policies and advises on how to best layer additional umbrella protection.
K&N Insurance Brokerage, based in Huntington, NY, offers both one-time umbrella policies and recurring coverage options to help clients address fluctuating liability needs. As an umbrella insurance agent, the company provides additional liability protection that extends beyond the limits of standard home and auto policies. This extra coverage helps safeguard personal assets against major claims and lawsuits. The company typically provides its services on an as-needed basis, allowing clients to request coverage for specific risks or schedule policy reviews at their own convenience.
Borg Insurance Agency in Huntington serves homeowners, businesses, and property managers who require additional liability protection beyond standard policies. The agency offers umbrella insurance, which provides extra coverage limits for claims that exceed underlying auto, home, or commercial policy caps. This type of policy helps clients safeguard their assets from major lawsuits or catastrophic losses. Operating from its Huntington office, the agency also extends its services to clients in the neighboring town of Halesite and throughout the greater Huntington metro area.
As summer storms and unexpected liability risks become more common across Long Island, Keefe Consulting Corp. helps Huntington residents and businesses address potential coverage gaps. The company works with clients to understand the specific exposures that exceed standard policy limits, offering guidance on appropriate umbrella protection. Their approach focuses on matching additional liability coverage to individual asset levels and community risk factors, always starting with a thorough review of existing policies. This initial assessment ensures every recommendation is grounded in the client’s actual circumstances before moving forward.
Shane Roer Agency Inc. in Huntington, NY specializes in umbrella insurance, which provides extra liability coverage beyond standard homeowners or auto policies. It also offers general insurance services to protect clients from unforeseen financial risks. Its work in this area helps individuals and families manage exposure to major claims or lawsuits that could exceed primary policy limits. As winter approaches, the agency assists local residents in understanding how seasonal hazards like icy driveways or holiday gatherings might create liability gaps requiring additional coverage.
JW Hirschfeld Agency Inc provides personal insurance coverage to clients in the Huntington area, helping them build a solid foundation of protection. The company also specializes in umbrella insurance, offering an additional liability layer that extends beyond standard policy limits. This extra safeguard is designed to cover major claims from incidents such as serious accidents or property damage. The firm can serve commercial sectors including offices, warehouses, and food service operations, tailoring enhanced liability options to each business’s specific risk profile.
Heather Schaefer, a State Farm Insurance Agent based in Huntington, provides residential umbrella insurance to local homeowners seeking extra liability protection. Her office also structures commercial umbrella policies for small businesses in the Huntington area. The agency delivers personalized risk evaluations for each client. After issuing coverage, the team routinely reviews policies to ensure limits remain appropriate, often contacting clients during regular service intervals to suggest updates as assets or circumstances change.
Renee Berges - State Farm Insurance Agent in Huntington, NY, is known for providing umbrella insurance coverage that extends liability protection beyond standard policies. This service helps local residents and businesses safeguard assets against major claims or lawsuits. The agent assists with personal and commercial umbrella policies tailored to individual risk profiles. Additionally, a common specialty add-on offered here includes coordination with existing auto or homeowners insurance for seamless excess liability coverage.
What Does an a Umbrella Insurance Agent in Huntington Cost?
In New York, a 1 million dollar personal umbrella policy typically costs between 150 and 300 dollars per year. A 2 million dollar policy may range from 250 to 500 dollars annually. Costs vary based on your driving record, number of properties, and claims history. This is general information and not insurance advice.
About umbrella insurance agents in Huntington
Umbrella insurance provides an extra layer of liability protection beyond your home and auto policies. In Huntington New York, this coverage is especially valuable given the high property values and litigation risks. A local agent can help you assess your exposure and secure a policy that meets New York state requirements.
Frequently Asked Questions
What does an umbrella insurance agent in Huntington do?
An umbrella insurance agent helps you evaluate your existing liability limits and recommends a personal umbrella policy. They ensure the policy coordinates with your underlying home and auto coverage, as required by New York insurers.
How much umbrella insurance do I need in New York?
Most New York agents suggest at least 1 million dollars in umbrella coverage due to the states high cost of living and lawsuit awards. The exact amount depends on your assets, income, and risk factors like owning a pool or a dog.
Can I get umbrella insurance if I have a rental property in Huntington?
Yes, umbrella policies typically cover personal liability from rental properties you own. However you must have adequate underlying landlord insurance, and New York law may require specific minimum limits for rental dwellings.
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