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HomeUmbrella Insurance AgentsNew York › Niagara Falls

Find Umbrella Insurance Agents Near You in Niagara Falls, NY

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

The top-rated umbrella insurance agent in Niagara Falls, New York is Allison Crowley - State Farm Insurance Agent, rated 4.9 stars across 296 reviews. Other highly rated options include Laura Capizzi - State Farm Insurance Agent, Keller Insurance, Stephanie Neal - State Farm Insurance Agent. This directory lists 15 umbrella insurance agents serving Niagara Falls.

Showing 15 umbrella insurance agents in Niagara Falls, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Allison Crowley - State Farm Insurance Agent6928 Williams Rd Suite 3(716) 283-9100
2Laura Capizzi - State Farm Insurance Agent2768 Niagara Falls Blvd(716) 694-3404
3Keller Insurance2706 Pine Ave(716) 395-7006
4Stephanie Neal - State Farm Insurance Agent2908 Military Rd(716) 297-5566
5Willoughby Insurance2244 Pine Ave(716) 285-5088
6Andrew Clemen: Allstate Insurance10065 Niagara Falls Blvd Suite 1(716) 692-7405
7Joel Holka Insurance8575 Niagara Falls Blvd(716) 298-7540
8Eugeni Insurance Agency Inc.3003 Pine Ave(716) 285-3491
9Bruce Lucsok Agency, Inc.6928 Williams Rd(716) 298-1882
10William Davis Insurance10335 Lockport Rd(716) 297-2092
AC
6928 Williams Rd Suite 3
Allison Crowley - State Farm Insurance Agent
Umbrella Insurance Agent · Niagara Falls, NY

Allison Crowley - State Farm Insurance Agent serves the Niagara Falls, New York, metro area and surrounding communities as an umbrella insurance agent. This agency helps clients secure a liability policy that extends coverage beyond the limits of standard homeowners or auto insurance, offering an added layer of financial protection. It assists individuals in assessing their personal asset exposure for greater peace of mind. The office handles personal umbrella policy evaluations and coordinates car insurance coverage adjustments for area residents.

LC
2768 Niagara Falls Blvd
Laura Capizzi - State Farm Insurance Agent
Umbrella Insurance Agent · Niagara Falls, NY

Serving Niagara Falls and the surrounding communities of western New York, Laura Capizzi - State Farm Insurance Agent handles umbrella insurance policies. This type of coverage extends liability protection beyond standard home and auto limits, safeguarding clients against major claims or lawsuits. The agency assists customers in assessing their personal risk exposure, such as from rental properties or recreational vehicles, to determine appropriate coverage levels for their assets. A typical job involves reviewing existing policies, identifying potential gaps, and tailoring an umbrella plan that aligns with the client's financial profile.

KI
2706 Pine Ave
Keller Insurance
Umbrella Insurance Agent · Niagara Falls, NY

Keller Insurance serves homeowners, businesses, and property managers in Niagara Falls, New York, by providing umbrella insurance policies that extend liability coverage beyond standard limits. This service helps protect assets against major claims and lawsuits, offering an additional layer of financial security for its clients. The agency works to assess each customer’s risk profile, allowing for personalized coverage that addresses potential liabilities in daily operations and property ownership. Its services also cover neighboring communities within Niagara County, including the Town of Niagara.

SN
2908 Military Rd
Stephanie Neal - State Farm Insurance Agent
Umbrella Insurance Agent · Niagara Falls, NY

Stephanie Neal - State Farm Insurance Agent in Niagara Falls, NY, offers umbrella insurance policies that separate one-time liability protection from recurring personal coverage. A one-time policy provides a single instance of excess liability defense for a specific event, while recurring service maintains ongoing coverage across multiple claims over time. The agency tailors each policy to protect assets beyond standard limits. Service for umbrella insurance runs on a scheduled basis, with annual policy renewals and periodic coverage reviews to adjust for changing liability needs.

WI
2244 Pine Ave
Willoughby Insurance
Umbrella Insurance Agent · Niagara Falls, NY

Serving Niagara Falls, New York, and the surrounding communities of the Buffalo-Niagara region, Willoughby Insurance handles umbrella liability policies that extend coverage beyond standard auto and homeowners limits. The agency assists local homeowners and drivers in securing additional protection against major claims, such as lawsuits from accidents or property damage on their premises. For a typical job, it reviews a client’s current underlying policies to recommend a sufficient liability limit, then coordinates the seamless attachment of that extra layer.

AC
10065 Niagara Falls Blvd Suite 1
Andrew Clemen: Allstate Insurance
Umbrella Insurance Agent · Niagara Falls, NY

Andrew Clemen: Allstate Insurance in Niagara Falls, NY, provides specialized umbrella insurance agents who offer extended liability coverage beyond standard policies. It serves clients by securing protection against major claims and lawsuits that could exceed primary insurance limits. The agency helps residents and businesses in the area manage risks from property ownership or recreational activities. Its services are particularly valuable during the winter months, when slip-and-fall incidents on icy sidewalks or driveways can lead to costly liability exposures.

JH
8575 Niagara Falls Blvd
Joel Holka Insurance
Umbrella Insurance Agent · Niagara Falls, NY

As winter snow and ice threaten driveways and sidewalks near Niagara Falls, slip-and-fall claims can create sudden liability concerns for homeowners. Joel Holka Insurance provides umbrella insurance coverage designed to extend protection beyond standard homeowner policies, offering an extra layer against costly lawsuits or accident-related medical bills. This type of policy helps clients manage financial risks that exceed basic liability limits, a common worry during icy months. An initial risk consultation with a local representative typically begins by reviewing the client’s current property conditions and existing coverage.

EI
3003 Pine Ave
Eugeni Insurance Agency Inc.
Umbrella Insurance Agent · Niagara Falls, NY

Eugeni Insurance Agency Inc. in Niagara Falls, NY, assists individuals and businesses with their core liability coverage needs. The agency specializes in umbrella insurance, which provides an added layer of protection beyond standard policy limits. This extra coverage is essential for safeguarding assets against major claims or lawsuits. Eugeni Insurance Agency Inc. serves a variety of commercial sectors, including local offices, warehouses, and food service establishments in the Niagara Falls area.

BL
6928 Williams Rd
Bruce Lucsok Agency, Inc.
Umbrella Insurance Agent · Niagara Falls, NY

Bruce Lucsok Agency, Inc. in Niagara Falls, NY provides residential umbrella insurance service for homeowners needing extra liability protection beyond their standard policies. The agency also arranges commercial umbrella coverage for local businesses seeking to safeguard against significant claims. Service extends throughout the Western New York area surrounding Niagara Falls. Clients benefit from coordinated support that keeps additional policy layers aligned with changing lifestyle and property needs. The office welcomes follow-up consultations between regular policy review visits to adjust coverage as circumstances evolve.

WD
10335 Lockport Rd
William Davis Insurance
Umbrella Insurance Agent · Niagara Falls, NY
LC
2201 Pine Ave
Laura Capizzi - State Farm Insurance Agent
Umbrella Insurance Agent · Niagara Falls, NY
(716) 282-5253
lauracapizzinf.com
XI
8701 Buffalo Ave
XNZ Insurance Agency Inc
Umbrella Insurance Agent · Niagara Falls, NY
(716) 299-0027
AI
7703 Niagara Falls Blvd
Aswad Insurance Agency
Umbrella Insurance Agent · Niagara Falls, NY
(716) 283-9333
aswadagency.com/contact-us
DR
663 Main St
De Rosa & De Rosa
Umbrella Insurance Agent · Niagara Falls, NY
(716) 284-0225
NI
2706 Pine Ave
Nationwide Insurance: Insureone Insurance Services America LLC
Umbrella Insurance Agent · Niagara Falls, NY
(716) 284-0408
insureone.com

What Does an a Umbrella Insurance Agent in Niagara Falls Cost?

The cost of an umbrella insurance policy in New York typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 1000 dollars annually. Premiums vary based on your number of properties vehicles and personal risk factors. This is general information and not insurance advice.

About umbrella insurance agents in Niagara Falls

An umbrella insurance agent in Niagara Falls New York helps you secure additional liability coverage beyond your home and auto policies. New York law requires minimum auto liability limits but umbrella policies offer an extra layer of protection for assets. Local agents understand the specific risks for Niagara Falls residents including proximity to the Niagara River and tourist areas.

Frequently Asked Questions

What does an umbrella insurance agent in Niagara Falls do?

An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding your standard home and auto coverage. In New York these policies typically start at 1 million dollars in coverage. The agent assesses your assets and risk profile to recommend appropriate limits.

Do I need umbrella insurance in New York?

Umbrella insurance is not required by New York law but it is highly recommended if you have significant assets or face higher liability risks. New York courts can award large judgments in personal injury cases. A local agent can help you evaluate your exposure based on your property value and lifestyle.

How does New York law affect umbrella insurance coverage?

New York requires minimum liability coverage of 25000 dollars for bodily injury per person and 50000 dollars per accident for auto insurance. An umbrella policy provides excess coverage above these minimums. New York also follows a comparative negligence rule which can affect claim payouts and your policy limits.

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.