affordable umbrella Insurance for Long island & NYC residents

  • Umbrella insurance could help protect you from major claims and lawsuits by covering expenses that exceed the limits of your other policies.

    This could include:

    • Bodily injury liability (e.g., auto accidents or injuries on your property)

    • Property damage liability

    • Legal defense fees

    • Personal liability situations like defamation, false arrest, or landlord liability

    It’s designed to kick in after your home, auto, or renters insurance has been maxed out — giving you added security when things go really wrong.

  • No, umbrella insurance isn’t typically required — but it’s highly recommended if you have assets to protect or want peace of mind. It's especially useful if you:

    • Own a home or rental property

    • Drive frequently or have teen drivers

    • Entertain guests or have a pool/trampoline

    • Have significant savings or investments

  • Umbrella policies typically don’t cover:

    • Your own injuries or property damage

    • Business-related liability (unless you have a business policy)

    • Intentional harm or criminal acts

    • Contractual liabilities

    Our team can walk you through what is (and isn’t) covered to make sure you’re fully protected.

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