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.