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HomeUmbrella Insurance AgentsNew York › Saratoga Springs

Find Umbrella Insurance Agents Near You in Saratoga Springs, NY

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

The top-rated umbrella insurance agent in Saratoga Springs, New York is Kyle Magne - State Farm Insurance Agent, rated 5.0 stars across 372 reviews. Other highly rated options include Bob Fitch - State Farm Insurance Agent, Dione Ramsdill - State Farm Insurance Agent, Jenks Family Insurance Agency, LLC. This directory lists 21 umbrella insurance agents serving Saratoga Springs.

Showing 21 umbrella insurance agents in Saratoga Springs, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Kyle Magne - State Farm Insurance Agent120 West Ave Apartment 102(518) 633-1010
2Bob Fitch - State Farm Insurance Agent440 Maple Ave(518) 409-8685
3Dione Ramsdill - State Farm Insurance Agent4286 NY-50(518) 581-7010
4Jenks Family Insurance Agency, LLC11 Ballston Ave(518) 581-1111
5Lubica Mills - State Farm Insurance Agent8 Circular St Suite 3(518) 587-6483
6Todd Harvey Farmers Insurance2 Smith Bridge Rd(518) 693-6893
7Armor Group Insurance Agency340 Broadway Ste 301(518) 952-4296
8Steve Cook - State Farm Insurance Agent6 Franklin Square Ste E(518) 581-8240
9AAA Saratoga26 West Ave(518) 587-8529
10Cote Insurance Agency68 Weibel Ave(518) 587-3303
KM
120 West Ave Apartment 102
Kyle Magne - State Farm Insurance Agent
Umbrella Insurance Agent · Saratoga Springs, NY

Kyle Magne - State Farm Insurance Agent serves Saratoga Springs and surrounding Saratoga County, offering comprehensive umbrella insurance coverage. This type of policy provides additional liability protection beyond standard homeowners and auto limits, helping safeguard personal assets against major claims or lawsuits. The company serves local residents seeking financial protection for unforeseen events. Services include personalized risk assessments and policy reviews to determine appropriate coverage levels for both umbrella liability and related personal insurance needs.

BF
440 Maple Ave
Bob Fitch - State Farm Insurance Agent
Umbrella Insurance Agent · Saratoga Springs, NY

Bob Fitch - State Farm Insurance Agent in Saratoga Springs, NY provides umbrella insurance policies that extend liability coverage beyond standard home and auto limits. The office assists clients in reviewing their existing plans to determine appropriate additional protection for assets and future income. They help maintain these plans by offering periodic policy reviews to adjust coverage as life changes occur. Umbrella coverage can safeguard a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.

DR
4286 NY-50
Dione Ramsdill - State Farm Insurance Agent
Umbrella Insurance Agent · Saratoga Springs, NY

Homeowners, businesses, and property managers in Saratoga Springs, New York, work with Dione Ramsdill - State Farm Insurance Agent for umbrella insurance coverage. This type of policy provides an extra layer of liability protection beyond standard home or auto limits. It is particularly useful for those with significant assets to safeguard or who face higher risk of being sued. The office serves clients throughout the immediate Saratoga Springs area and also covers neighboring communities such as Wilton and Clifton Park.

JF
11 Ballston Ave
Jenks Family Insurance Agency, LLC
Umbrella Insurance Agent · Saratoga Springs, NY

Serving Saratoga Springs, NY, and the surrounding communities, Jenks Family Insurance Agency, LLC handles umbrella insurance coverage for local residents and businesses. An umbrella policy provides additional liability protection beyond standard auto and homeowners limits, helping safeguard personal assets from major claims or lawsuits. For a typical job, the agent assesses each client’s existing policies and individual risk exposure to determine the appropriate coverage amount needed.

LM
8 Circular St Suite 3
Lubica Mills - State Farm Insurance Agent
Umbrella Insurance Agent · Saratoga Springs, NY

In Saratoga Springs, NY, this agency offering umbrella insurance distinguishes between one-time policy reviews for specific concerns and scheduled, recurring appointments to adjust coverage as assets evolve. Umbrella insurance protects clients beyond standard home and auto policy limits, covering substantial liability claims and certain lawsuits. Services typically include analyzing personal liability exposure and recommending appropriate additional coverage layers. Assessments generally occur on an as-needed basis whenever a major life event such as a property purchase or new vehicle acquisition changes risk profiles.

TH
2 Smith Bridge Rd
Todd Harvey Farmers Insurance
Umbrella Insurance Agent · Saratoga Springs, NY

Todd Harvey Farmers Insurance in Saratoga Springs, NY, provides umbrella insurance agent services to individuals and families in the local area. With a focus on helping clients secure additional liability coverage that extends beyond standard policies, the agency also offers support with homeowners, auto, and related insurance needs. During the winter months, it assists local homeowners with concerns about increased liability from ice or snow-related incidents on their property.

AG
340 Broadway Ste 301
Armor Group Insurance Agency
Umbrella Insurance Agent · Saratoga Springs, NY

When heavy winter snow and ice threaten driveways or seasonal storms sweep the Capital Region, many property owners review their liability exposure. Armor Group Insurance Agency, serving Saratoga Springs, acts as an umbrella insurance agent to help locals add an extra layer of liability coverage beyond standard policies. This protects assets from major claims linked to accidents or injuries. The agent typically begins by reviewing existing home and auto coverage to identify gaps and recommends appropriate limits before conducting a personal risk assessment.

SC
6 Franklin Square Ste E
Steve Cook - State Farm Insurance Agent
Umbrella Insurance Agent · Saratoga Springs, NY

Steve Cook - State Farm Insurance Agent in Saratoga Springs, NY provides residential umbrella insurance coverage to protect homeowners from major liability claims. The agency also offers commercial umbrella policies for local businesses seeking extra liability protection beyond standard limits. Service extends throughout the Saratoga Springs area and surrounding communities in upstate New York. Clients often return to review their umbrella limits during annual policy updates or when acquiring new assets between regular scheduled visits.

AS
26 West Ave
AAA Saratoga
Umbrella Insurance Agent · Saratoga Springs, NY

AAA Saratoga provides general insurance services in Saratoga Springs, NY, with a specialty in umbrella insurance as an additional layer of liability coverage. This agent helps clients secure extra protection that goes beyond standard policy limits for added financial security. The company offers vital buffer coverage for unforeseen events, reducing personal risk exposure. Commercial clients such as offices, warehouses, and food service operations can benefit from the expanded liability limits that umbrella policies provide.

CI
68 Weibel Ave
Cote Insurance Agency
Umbrella Insurance Agent · Saratoga Springs, NY

Cote Insurance Agency in Saratoga Springs, New York, specializes in umbrella insurance policies that extend liability coverage beyond standard home and auto limits. It also provides general support for clients seeking broader financial protection against unexpected lawsuits or property-damage claims. The agency helps area residents and businesses assess their unique exposure risks and secure appropriate additional coverage to safeguard personal assets. During the peak summer tourism season in Saratoga Springs, this extra layer of liability protection can be especially valuable for homeowners hosting guests or renting out property.

RJ
538 Maple Ave Suite C
Robert J. Hoy Agency, Inc.
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 583-2025
hoyagency.com
ND
3257 US-9 Ste 4
Nicole DellaPorta - State Farm Insurance Agent
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 587-0136
nicoledellaporta.com
NI
195 Washington St
Nationwide Insurance: Michael O. Murphy
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 584-1715
AS
229 Washington St
ADAMS STATION INSURANCE AGENCY INC
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 512-5247
adamsstationinsurance.com
VI
513 Broadway
Vitality Insurance Agency NY
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 620-8429
VI
35 Henry St
Vivid Insurance Service
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 594-6731
FI
3257 US-9 Suite 3
Fragomeni Insurance
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 584-4200
fragomeni-insurance.com
BC
47 Regatta View Dr
Blue Chip Financial Group
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 584-8057
1bluechip.com
KI
12 Lake Ave
Karbocus Insurance Agency
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 583-3333
karbocusinsurance.com
PI
18 Bradford Dr
Pietrosanto Insurance Agency
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 581-3282
pietrosanto.com
AM
31 Woodlawn Ave
Amsure
Umbrella Insurance Agent · Saratoga Springs, NY
(518) 584-5300
amsureins.com

What Does an a Umbrella Insurance Agent in Saratoga Springs Cost?

Umbrella insurance premiums in New York generally range from 150 to 300 dollars annually for 1 million dollars in coverage. Higher limits, such as 2 million or 5 million dollars, may cost 300 to 600 dollars per year. Factors like multiple vehicles, rental properties, or a swimming pool can increase the premium. This is general information and not insurance advice.

About umbrella insurance agents in Saratoga Springs

An umbrella insurance agent in Saratoga Springs New York helps you secure additional liability coverage that goes beyond the limits of your home and auto policies. New York law requires minimum auto liability limits of 25000 per person and 50000 per accident for bodily injury, but an umbrella policy can extend protection to 1 million or more. Local agents understand the risks specific to Saratoga County, such as slip and fall claims from winter ice or accidents on historic properties.

Frequently Asked Questions

What does an umbrella insurance agent do in Saratoga Springs?

An umbrella insurance agent helps you purchase a personal umbrella policy that provides extra liability coverage after your primary insurance limits are exhausted. They assess your assets and risks to recommend an appropriate coverage amount, typically starting at 1 million dollars.

Do I need umbrella insurance in New York?

Umbrella insurance is not required by New York law, but it is strongly recommended if you have significant assets, own property, or face higher lawsuit risks. New York has a statute of limitations of three years for personal injury claims, so extended coverage can protect you from large settlements.

How much does an umbrella policy cost in Saratoga Springs?

Typical umbrella insurance costs in New York range from 150 to 300 dollars per year for 1 million dollars in coverage. Costs vary based on your risk profile, number of properties, and driving record. An agent can provide a custom quote.

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.