The top-rated umbrella insurance agent in Guilford, Connecticut is Guilford Insurance, rated 5.0 stars across 143 reviews. Other highly rated options include Page Insurance, Ltd - Independent Home & Auto Insurance Specialists CT, Craig Tracz - State Farm Insurance Agent, Maria Pietrosante: Allstate Insurance. This directory lists 16 umbrella insurance agents serving Guilford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Guilford Insurance | 105 Church St | (203) 689-5260 |
| 2 | Page Insurance, Ltd - Independent Home & Auto Insurance Specialists CT | 102 Boston St | (203) 453-5258 |
| 3 | Craig Tracz - State Farm Insurance Agent | 652 Boston Post Rd STE 6 | (203) 204-1421 |
| 4 | Maria Pietrosante: Allstate Insurance | 705 Boston Post Rd Unit 4b | (860) 388-0857 |
| 5 | Teysha Poindexter - My Skyline Insurance | 1310 Boston Post Rd Unit 5 | (860) 322-6864 |
| 6 | Smart Insurance CT | 24 Graves Ave | (203) 457-8040 |
| 7 | Relation Insurance Services | 48 State St | (203) 453-0816 |
| 8 | Kinnare Insurance LLC | 135 Church St | (203) 453-4829 |
| 9 | Maynard Insurance Group | 102 Church St | (203) 453-0003 |
| 10 | Anchor Associates Inc | 60 Little Meadow Rd | (203) 453-5939 |
Guilford Insurance serves the New Haven County area from its base in Guilford, Connecticut, providing local property owners with professional umbrella insurance agency services. An umbrella policy offers additional liability coverage above standard home or auto policies, protecting clients from major claims and lawsuits. The agency helps residents assess their personal liability risks and secure appropriate excess coverage limits. Its work includes tailoring higher liability protection for homeowners with significant assets and advising on umbrella policies to fill gaps in an existing insurance portfolio.
Page Insurance, Ltd - Independent Home & Auto Insurance Specialists CT in Guilford provides personal umbrella liability coverage that extends protection beyond standard home and auto policies. Its service includes policy consultations to assess client risk exposure and annual coverage reviews to ensure sufficient liability limits. The company helps clients safeguard assets against major claims or lawsuits. It services single-family homes, apartments, retail, and restaurants.
Craig Tracz - State Farm Insurance Agent in Guilford, CT, serves homeowners, businesses, and property managers seeking personal umbrella liability coverage. This protection extends beyond standard policy limits to shield assets and future earnings from major claims or lawsuits. The agency helps clients assess their risk exposure and secure an additional layer of security tailored to individual needs. Service also reaches nearby communities in the New Haven metro area, including Branford and Madison.
Serving Guilford and the surrounding Connecticut shoreline communities, Maria Pietrosante: Allstate Insurance handles commercial and personal umbrella liability policies. This coverage extends an extra layer of protection above the limits of a standard auto or homeowners policy, guarding against significant claims. To assess a client’s specific needs, the agent reviews existing underlying policies and discusses potential risks. A typical job is handled by first comparing coverage gaps with the client’s current limits, then selecting a cost-effective policy that meets their financial security goals.
Teysha Poindexter - My Skyline Insurance in Guilford, CT helps clients understand the difference between one-time and recurring service options when securing umbrella liability coverage. An umbrella insurance policy provides extra liability protection beyond standard homeowners or auto policies, safeguarding personal assets from major claims and lawsuits. This additional layer of coverage is particularly useful for those with significant assets or activities that increase exposure to risk. Service runs on a scheduled basis to review client needs and adjust coverage levels appropriately.
Smart Insurance CT provides umbrella insurance agent services in Guilford, CT, focusing on supplemental liability coverage that extends beyond standard policy limits. The agency helps clients protect their savings and future earnings from major claims and lawsuits. It works with homeowners and drivers to coordinate excess liability policies that offer an added layer of financial security. This professional guidance is especially valuable during the winter holiday season, when increased home gatherings and travel heighten the risk of accidents and property damage claims, making extra coverage a practical necessity.
As summer storms and coastal weather along the Shoreline can increase liability risks, Relation Insurance Services in Guilford helps local residents secure umbrella insurance for extended coverage beyond standard policies. They review a client’s existing auto, home, or boat insurance to identify potential gaps that a catastrophic event could expose. After a brief conversation about liability thresholds and different asset protection scenarios, the agent arranges a practical inspection of the property to verify eligibility before finalizing a new policy.
Kinnare Insurance LLC serves the Guilford area with standard commercial insurance coverages and specializes in umbrella liability insurance. These policies provide an additional layer of protection above existing general liability or auto policies for businesses. The coverage activates when underlying policy limits are exhausted, offering substantial financial safeguards against large liability claims or settlements. Kinnare Insurance can assist companies in securing umbrella coverage for their offices, warehouses, and food service operations to help ensure comprehensive risk management.
Maynard Insurance Group in Guilford, CT provides residential umbrella insurance services that extend personal liability protection beyond standard homeowners policies. The agency also offers commercial umbrella coverage, helping local businesses safeguard assets from major claims. Their service area covers Guilford and the surrounding Connecticut shoreline communities. After an initial policy setup, the team reviews coverage needs periodically, enabling clients to adjust their protection for changing circumstances and return for follow-up service between regular visits.
Anchor Associates Inc is known for providing umbrella insurance coverage that extends liability protection beyond standard policy limits for clients across Guilford, CT. Its service range includes evaluating personal and commercial risk profiles to recommend appropriate additional layers of liability insurance. Umbrella insurance agents here work with homeowners, auto insurers, and local small businesses to safeguard assets from major claims. A specialty service it can add on is offering excess liability coverage tailored for families with rental properties or waterfront exposure.
What Does an a Umbrella Insurance Agent in Guilford Cost?
The cost for an umbrella insurance policy in Connecticut typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Your actual premium depends on factors like your driving record, property value, and number of vehicles. This information is general and not insurance advice.
About umbrella insurance agents in Guilford
An umbrella insurance agent in Guilford, Connecticut can help you secure additional liability coverage beyond your standard auto or homeowners policy. Connecticut law requires minimum auto liability limits, but an umbrella policy provides an extra layer of protection for assets. Local agents understand the specific risks for coastal communities like Guilford, such as potential storm damage and boating liabilities.
Frequently Asked Questions
What does an umbrella insurance agent in Guilford do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims above your primary insurance limits. This agent can review your existing auto and home policies to recommend appropriate coverage levels for your assets.
How much umbrella coverage should I get in Connecticut?
Many Connecticut agents suggest at least 1 million dollars in umbrella coverage, especially if you own property or have significant savings. The amount depends on your net worth and potential liability risks, such as owning a pool or rental property.
Is umbrella insurance required by Connecticut law?
Umbrella insurance is not required by Connecticut law, but it is strongly recommended for asset protection. Connecticut does require minimum auto liability limits of 25,000 dollars per person and 50,000 dollars per accident, which an umbrella policy can supplement.
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