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HomeUmbrella Insurance AgentsNew York › Lindenhurst

Find Umbrella Insurance Agents Near You in Lindenhurst, NY

Browse umbrella insurance agents serving Lindenhurst, New York. Updated 2026-07-14.

The top-rated umbrella insurance agent in Lindenhurst, New York is Luis Hernandez - State Farm Insurance Agent, rated 5.0 stars across 233 reviews. Other highly rated options include First Choice Insurance, Maria Zinerco: Allstate Insurance, Thomas J. Sant: Allstate Insurance. This directory lists 11 umbrella insurance agents serving Lindenhurst.

Showing 11 umbrella insurance agents in Lindenhurst, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Luis Hernandez - State Farm Insurance Agent186 S 1st St Ste C(631) 956-4003
2First Choice Insurance646 Wellwood Ave(631) 422-6650
3Maria Zinerco: Allstate Insurance773 N Wellwood Ave(516) 561-6770
4Thomas J. Sant: Allstate Insurance7 W Hoffman Ave(631) 957-4800
5Plus Insurance Service NY271-279 S Wellwood Ave(631) 572-3818
6Nationwide Insurance: Stephen Patrick Cali173 S Wellwood Ave(631) 592-1250
7Young Insurance NY196 S 1st St(631) 318-0965
8LoBue & Son Agency197 S Wellwood Ave(631) 957-5282
9HF Wrieth Insurance368 S Wellwood Ave(631) 226-2264
10Protective Insurance Agency101 N Wellwood Ave #7(631) 226-7202
LH
186 S 1st St Ste C
Luis Hernandez - State Farm Insurance Agent
Umbrella Insurance Agent · Lindenhurst, NY

Luis Hernandez - State Farm Insurance Agent serves the Lindenhurst, NY area, offering umbrella insurance and related coverage solutions. As an umbrella insurance agent, the company provides policies that extend liability protection beyond standard homeowners and auto insurance limits. This business assists local clients in safeguarding their assets against major claims and lawsuits that could exceed typical policy coverage. Specific services include personal umbrella insurance for individuals and families seeking additional liability layers. The agent also evaluates existing coverage to identify potential gaps in protection.

FC
646 Wellwood Ave
First Choice Insurance
Umbrella Insurance Agent · Lindenhurst, NY

First Choice Insurance offers umbrella liability coverage in Lindenhurst, New York, helping clients extend their protection beyond standard policies. Its service includes assessing individual risk factors to recommend appropriate policy limits for added security. The company guides customers through the process of obtaining coverage that safeguards assets from major claims. Maintenance plans involve regular policy reviews to adjust coverage as circumstances change. First Choice Insurance serves by providing quotes and support throughout the policy term. It services properties including single-family homes, apartments, retail stores, and restaurants.

MZ
773 N Wellwood Ave
Maria Zinerco: Allstate Insurance
Umbrella Insurance Agent · Lindenhurst, NY

Homeowners, businesses, and property managers in Lindenhurst seeking financial protection beyond standard liability limits rely on Maria Zinerco: Allstate Insurance for umbrella coverage. This local agent works to secure additional layers of liability insurance that can safeguard assets and future earnings against major claims or lawsuits. Serving the broader South Shore region of Long Island, the agency also extends its umbrella insurance services to neighboring communities such as Copiague.

TJ
7 W Hoffman Ave
Thomas J. Sant: Allstate Insurance
Umbrella Insurance Agent · Lindenhurst, NY

Serving the greater Lindenhurst area and the surrounding South Shore communities, Thomas J. Sant: Allstate Insurance handles umbrella insurance policies that extend additional liability coverage beyond standard homeowners or auto policies. This agency coordinates with other insurers to help bridge coverage gaps that could otherwise expose clients to significant financial loss. For a typical policy, the firm reviews existing coverage limits and recommends an umbrella amount that aligns with a client’s personal assets and daily risk exposure.

PI
271-279 S Wellwood Ave
Plus Insurance Service NY
Umbrella Insurance Agent · Lindenhurst, NY

Plus Insurance Service NY in Lindenhurst, NY specializes in umbrella insurance, providing extended liability coverage that adds an extra layer of protection beyond standard home or auto policies. It also assists with general insurance services, helping clients meet coverage requirements for their specific needs in the local area. During the active Northeast storm season, the company helps homeowners secure additional protection against costly claims that may exceed base policy limits.

NI
173 S Wellwood Ave
Nationwide Insurance: Stephen Patrick Cali
Umbrella Insurance Agent · Lindenhurst, NY

Homeowners and drivers in Lindenhurst, NY, can choose between a one-time umbrella policy for a single year of added liability coverage or a recurring annual renewal that keeps protection in place without gaps. As an umbrella insurance agent, Stephen Patrick Cali with Nationwide Insurance assists clients in securing this extra layer of coverage beyond standard auto and home policies. The agency’s service for umbrella insurance operates on an as-needed basis, allowing clients to schedule appointments when they require new policies or adjustments.

YI
196 S 1st St
Young Insurance NY
Umbrella Insurance Agent · Lindenhurst, NY

As coastal storm season brings heavy rain and flooding to Lindenhurst each year, residents and businesses face increased liability risks from slip-and-fall accidents or property damage claims. Young Insurance NY helps local clients review their existing policies and identify gaps that a basic home or auto plan does not cover. Umbrella insurance provides an additional layer of protection beyond standard policy limits, shielding assets from major lawsuits. Their initial step is a free coverage assessment, where they examine a client’s current policies and property exposure to recommend appropriate umbrella limits.

LS
197 S Wellwood Ave
LoBue & Son Agency
Umbrella Insurance Agent · Lindenhurst, NY

LoBue & Son Agency provides residential umbrella insurance coverage designed to protect homeowners from major liability claims. Commercial policies are also available for local businesses seeking additional layers of financial security. Serving clients throughout Lindenhurst, New York, the agency assists customers in understanding policy limits and excess coverage needs. Existing clients often return for periodic policy reviews to ensure their coverage remains adequate as personal circumstances change between regular visits.

HW
368 S Wellwood Ave
HF Wrieth Insurance
Umbrella Insurance Agent · Lindenhurst, NY

HF Wrieth Insurance, based in Lindenhurst, NY, serves as a known provider of umbrella insurance coverage. The agency assists local clients in securing an extra layer of liability protection beyond standard home and auto policies. This service functions as a safety net for individuals and families looking to shield significant assets from major claims or lawsuits. By offering a broad range of personal umbrella policies, the firm helps residents address specific liability gaps. Specialty add-on coverage can include protection for recreational vehicles.

PI
101 N Wellwood Ave #7
Protective Insurance Agency
Umbrella Insurance Agent · Lindenhurst, NY

Protective Insurance Agency serves clients in Lindenhurst, New York, by providing general liability coverage that helps protect against common business risks. As a specialty umbrella insurance agent, the agency offers additional layers of liability protection that activate when underlying policy limits are exhausted. This extra coverage helps safeguard assets from potentially large claims and lawsuits. The agency can assist businesses operating in a variety of commercial sectors, including offices, warehouses, and food service operations, ensuring these enterprises have adequate protection for their specific operational exposures.

AI
654 N Wellwood Ave Suite#313
Argyle Insurance Agency, LLC
Umbrella Insurance Agent · Lindenhurst, NY
(631) 321-1293
argyleinsuranceagency.com

What Does an a Umbrella Insurance Agent in Lindenhurst Cost?

In New York, umbrella insurance typically costs between 150 and 300 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 million or 5 million, may cost 300 to 800 dollars annually. Actual premiums depend on your risk profile, claims history, and the insurance carrier. This is general information and not insurance advice.

About umbrella insurance agents in Lindenhurst

Umbrella insurance provides an extra layer of liability protection beyond standard home and auto policies. In Lindenhurst, New York, agents can help you secure coverage that meets state minimum requirements while safeguarding your savings and future earnings. New York law requires auto liability limits of 25,000 per person and 50,000 per accident, but an umbrella policy can extend that to 1 million or more.

Frequently Asked Questions

What does an umbrella insurance agent in Lindenhurst do?

An umbrella insurance agent helps you purchase a personal liability policy that kicks in after your primary insurance limits are exhausted. They assess your assets and risks to recommend appropriate coverage levels. In New York, agents must be licensed by the Department of Financial Services.

How much umbrella insurance do I need in New York?

The amount depends on your net worth and potential liability risks. Many experts suggest coverage equal to or greater than your total assets. In New York, where lawsuits can result in high judgments, policies often start at 1 million and go up to 5 million or more.

Does umbrella insurance cover legal defense costs in New York?

Yes, most umbrella policies cover legal defense costs even if the lawsuit is groundless. In New York, this can be critical because the state has a six-year statute of limitations for personal injury claims. Your agent can explain how defense coverage works with your specific policy.

Umbrella Insurance Agents in Other New York Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.