ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeUmbrella Insurance AgentsNew York › West Seneca

Find Umbrella Insurance Agents Near You in West Seneca, NY

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

The top-rated umbrella insurance agent in West Seneca, New York is Joe Czaja - State Farm Insurance Agent, rated 4.9 stars across 590 reviews. Other highly rated options include Mike Messuro - State Farm Insurance Agent, Mary Alice Ubal - State Farm Insurance Agent, InsureOne Insurance. This directory lists 17 umbrella insurance agents serving West Seneca.

Showing 17 umbrella insurance agents in West Seneca, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Joe Czaja - State Farm Insurance Agent3557 Seneca St(716) 674-3654
2Mike Messuro - State Farm Insurance Agent1320 Orchard Park Rd(716) 675-7660
3Mary Alice Ubal - State Farm Insurance Agent1900 Ridge Rd Ste 109(716) 822-5555
4InsureOne Insurance1900 Ridge Rd Ste 111(716) 406-4048
5Aebly and Associates Insurance Services, Inc.1471 Union Rd(716) 675-2100
6Angela Wozniak Agency, Inc.1902 Ridge Rd #116(716) 903-8448
7Michael Barends: Allstate Insurance3640 Seneca St(716) 873-5600
8Blatchley Insurance4185 Seneca St # 5(716) 675-5015
9Auricchio Insurance Agency3800 Seneca St(716) 675-3800
10Farmers Insurance - Ibrahim Khalil40 Gardenville Pkwy W # 211(716) 275-2392
JC
3557 Seneca St
Joe Czaja - State Farm Insurance Agent
Umbrella Insurance Agent · West Seneca, NY

Joe Czaja - State Farm Insurance Agent serves the West Seneca, New York, area, including Erie County. The company provides umbrella insurance policies that offer extended liability protection beyond standard home and auto coverage. These policies help safeguard personal assets in the event of a major claim or lawsuit. The agency assists customers in reviewing their current liability limits to determine the appropriate level of umbrella coverage needed. Specifically, it handles personal umbrella insurance and consultations on liability accumulation for local residents and families.

MM
1320 Orchard Park Rd
Mike Messuro - State Farm Insurance Agent
Umbrella Insurance Agent · West Seneca, NY

Mike Messuro - State Farm Insurance Agent in West Seneca, NY, offers umbrella insurance coverage that extends liability protection beyond the limits of standard auto and homeowners policies. The company provides personalized service to assess each client’s unique risk exposure and maintain appropriate coverage levels over time. Ongoing policy reviews ensure limits remain adequate as circumstances change. This agency serves a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.

MA
1900 Ridge Rd Ste 109
Mary Alice Ubal - State Farm Insurance Agent
Umbrella Insurance Agent · West Seneca, NY

Homeowners, businesses, and property managers seeking excess liability protection turn to Mary Alice Ubal - State Farm Insurance Agent in West Seneca, NY. As an umbrella insurance agent, this office helps clients secure additional coverage beyond standard policy limits. These policies can provide financial safeguards for unforeseen claims or lawsuits. Residents and commercial operators in West Seneca also benefit from services extending to nearby communities in the Buffalo-Niagara Falls metropolitan area.

II
1900 Ridge Rd Ste 111
InsureOne Insurance
Umbrella Insurance Agent · West Seneca, NY

Serving West Seneca and the surrounding communities of Erie County, InsureOne Insurance functions as a local umbrella insurance agent. It handles personal excess liability coverage that extends beyond the limits of standard homeowners and auto policies to offer added financial protection. For a typical job, the agent carefully evaluates a client's existing underlying policies and personal risk profile to determine the appropriate coverage amount needed. It then secures a separate policy that provides an additional layer of defense against major claims and lawsuits, following a straightforward application process.

AA
1471 Union Rd
Aebly and Associates Insurance Services, Inc.
Umbrella Insurance Agent · West Seneca, NY

Aebly and Associates Insurance Services, Inc. offers both one-time policy purchases for specific coverage needs and recurring annual renewal options for ongoing protection. As an umbrella insurance agent in West Seneca, NY, the agency provides supplemental liability coverage that extends beyond the limits of standard auto or homeowners policies. This extra layer helps safeguard personal assets against major claims or lawsuits. Service runs on an as-needed basis, with clients encouraged to contact the office for a consultation when assessing their risk levels.

AW
1902 Ridge Rd #116
Angela Wozniak Agency, Inc.
Umbrella Insurance Agent · West Seneca, NY

Located in West Seneca, NY, Angela Wozniak Agency, Inc. provides general liability protection and specializes in umbrella insurance policies to extend coverage limits for both personal and business risks. These excess liability policies offer crucial support when a primary claim exceeds standard policy caps. The agency serves commercial clients operating in a variety of sectors, including local offices, warehouses, and food service establishments.

MB
3640 Seneca St
Michael Barends: Allstate Insurance
Umbrella Insurance Agent · West Seneca, NY

As an umbrella insurance agent in West Seneca, NY, Michael Barends: Allstate Insurance provides specialized personal liability coverage that extends beyond the limits of standard home or auto policies. This includes protection against major claims and lawsuits that could otherwise threaten personal assets. The agency also assists clients with general insurance needs, offering policies tailored to each individual’s risk profile. In winter months, these services become especially valuable, as icy conditions and snow-related accidents can lead to increased liability claims from visitors or drivers on residential properties.

BI
4185 Seneca St # 5
Blatchley Insurance
Umbrella Insurance Agent · West Seneca, NY

With Western New York’s unpredictable mix of lake-effect snow and spring storms, homeowners in West Seneca face increased liability risks that standard policies may not cover. Blatchley Insurance serves as an umbrella insurance agent in this community, helping clients secure additional liability protection beyond their existing homeowners and auto coverage. An inspection of the client’s property and current policies is the first step the agent conducts to identify coverage gaps and recommend appropriate limits for the area’s unique weather-related exposures.

AI
3800 Seneca St
Auricchio Insurance Agency
Umbrella Insurance Agent · West Seneca, NY

Auricchio Insurance Agency provides residential umbrella insurance coverage to homeowners in West Seneca, New York, aiming to protect personal assets beyond standard policy limits. The company also assists local small businesses with commercial umbrella policies to safeguard their operations. Serving the West Seneca area and nearby communities, the agency focuses on explaining liability risks and adjusting coverage as clients’ lives and property values change. New policyholders often return for coverage reviews before significant purchases or between regular insurance checkups, ensuring their protection remains current.

FI
40 Gardenville Pkwy W # 211
Farmers Insurance - Ibrahim Khalil
Umbrella Insurance Agent · West Seneca, NY

Farmers Insurance - Ibrahim Khalil is an umbrella insurance agent based in West Seneca, NY, offering personal liability coverage that extends beyond the limits of standard home or auto policies. This firm serves local homeowners and drivers seeking extra financial protection against major claims or lawsuits. Umbrella insurance policies from this agency help safeguard assets by providing broader coverage for incidents involving property damage, bodily injury, or personal liability situations. Additional specialty services available include arranging higher policy limits for clients with significant assets or those facing elevated risk exposures.

FI
1471 Union Rd
Fronczak Insurance Agency
Umbrella Insurance Agent · West Seneca, NY
(716) 675-2100 ext. 130
fronczak.net
TI
550 Orchard Park Rd
TrustPro Insurance LLC
Umbrella Insurance Agent · West Seneca, NY
(716) 217-1316
CB
3814 Seneca St #3433
Carl Bonetto Insurance
Umbrella Insurance Agent · West Seneca, NY
(716) 674-1700
bonettoagency.com
BI
1298 Orchard Park Rd
Boltz Insurance Services
Umbrella Insurance Agent · West Seneca, NY
(716) 825-8583
boltzinsurance.com
GL
3626 Seneca St
Great Lakes Insurance Services Group LLC
Umbrella Insurance Agent · West Seneca, NY
(716) 608-1100
greatlakesins.com
IN
997 Union Rd
InsureOne
Umbrella Insurance Agent · West Seneca, NY
(716) 395-7007
insureone.com/find-an-office
SK
1102 Union Rd
Scott Kaltman Agency, Inc.
Umbrella Insurance Agent · West Seneca, NY
(716) 604-0345
scottkaltmanagency.com

What Does an a Umbrella Insurance Agent in West Seneca Cost?

The cost of umbrella insurance in West Seneca, New York typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage. Additional increments of 1 million dollars may cost 75 to 150 dollars each. Factors such as your driving record, number of properties, and personal liability risks affect the premium. This is general information and not insurance advice.

About umbrella insurance agents in West Seneca

An umbrella insurance agent in West Seneca, New York helps you obtain personal umbrella liability coverage that extends beyond the limits of your auto and homeowners policies. In New York, umbrella policies often require minimum underlying limits of $250,000 for auto liability and $300,000 for homeowners liability. This extra layer of protection can safeguard your savings and future earnings from large lawsuits or claims.

Frequently Asked Questions

What does an umbrella insurance agent in West Seneca do?

An umbrella insurance agent helps you evaluate your current liability risks and find a policy that provides additional coverage above your existing auto and home insurance. They can explain how New York state law affects policy terms and help you choose appropriate limits based on your assets.

How much umbrella coverage do I need in New York?

The amount of umbrella coverage you need depends on your total assets and potential future earnings. Many agents recommend at least 1 million dollars in coverage, but higher limits are common for individuals with significant assets or high-risk professions. New York courts can award large judgments, so higher limits provide more protection.

Does umbrella insurance cover legal defense costs in New York?

Yes, most umbrella policies cover legal defense costs for covered claims, even if the lawsuit is groundless. In New York, defense costs are often paid in addition to the policy limit, meaning the full coverage amount remains available to pay a settlement or judgment.

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.