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Find Umbrella Insurance Agents Near You in Utica, NY
Looking for a umbrella insurance agent in Utica? Review the directory below to compare your options.
11 agents listed
Updated May 2026
Utica, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 11 umbrella insurance agents in Utica, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Scott Grates - State Farm Insurance Agent
430 Trenton Rd, Utica, NY 13502
(315) 797-7763
insuranceforutica.com
AAA Utica
430 Court St, Utica, NY 13502
(315) 797-5452
branches.northeast.aaa.com
Matt Nimey Insurance Agency
By appointment Only, 2001 Bleecker St, Utica, NY 13501
(315) 737-6099
mattnimeyinsurance.com
BEACH AGENCY INC
1111 Oriskany St W, Utica, NY 13502
(315) 793-7626
beachagencyinsurance.com
Michael Garcia: Allstate Insurance
2046 Genesee St, Utica, NY 13502
(315) 793-3322
agents.allstate.com
Scalzo Zogby & Wittig Inc
120 Lomond Ct, Utica, NY 13502
(315) 792-0000
szwinsurance.com
Farmers Insurance - Michelle Santillo-Romano
2400 Genesee St, Utica, NY 13502
(315) 765-6531
agents.farmers.com
Good Move Insurance Co
409 Court St, Utica, NY 13502
(332) 208-9821
Success Insurance Utica
106 Genesee St, Utica, NY 13502
(315) 230-0287
monitorlife.com
premium plan Insurance NY
266 Genesee St, Utica, NY 13502
(332) 334-6798
Cool Insurance LLC
1307 Genesee St, Utica, NY 13501
(315) 216-7685
Umbrella insurance agents in Utica New York help residents secure extra liability coverage beyond standard policies. New York law requires minimum auto liability limits of 25000 per person and 50000 per accident, but an umbrella policy can add one million dollars or more in protection. Local agents understand the unique risks for homeowners and drivers in the Mohawk Valley region.
What Does a Umbrella Insurance Agent in Utica Cost?
The cost of umbrella insurance in New York typically ranges from 150 to 400 dollars per year for one million dollars in coverage. Factors that affect the premium include your driving record, number of properties, and claims history. Costs may be higher for policies with two million or more in coverage. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Utica do?
An umbrella insurance agent in Utica helps you purchase a personal liability umbrella policy that extends coverage above your home and auto insurance. The agent reviews your existing policies and recommends a coverage amount based on your assets and risk profile.
How much umbrella coverage do I need in New York?
Most New York agents suggest at least one million dollars in umbrella coverage to protect against lawsuits for accidents or injuries on your property. The right amount depends on your net worth, income, and potential liability risks.
Can I buy umbrella insurance without a car or home in Utica?
Yes, you can buy umbrella insurance if you rent an apartment or have no vehicle. You still need an underlying policy such as renters insurance or non-owner auto insurance to qualify for an umbrella policy in New York.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.