The top-rated umbrella insurance agent in Madison, Connecticut is Farmers Insurance - Carmelo Pistritto, rated 5.0 stars across 30 reviews. Other highly rated options include Lauren LaTorre-Osterling - State Farm Insurance Agent, Carl Jeppesen: Allstate Insurance, Nationwide Insurance: Michael Silberberg. This directory lists 11 umbrella insurance agents serving Madison.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Carmelo Pistritto | 724 Boston Post Rd Ste 302a-B | (860) 665-1204 |
| 2 | Lauren LaTorre-Osterling - State Farm Insurance Agent | 38 Academy St | (203) 245-4555 |
| 3 | Carl Jeppesen: Allstate Insurance | 1 Orchard Park Rd Ste 12 | (203) 245-7794 |
| 4 | Nationwide Insurance: Michael Silberberg | 145 Durham Rd STE 5 | (203) 245-4311 |
| 5 | Kearney Insurance Agency LLC | 78 Bradley Rd 2nd floor | (203) 245-1238 |
| 6 | Justin Lindahl, Financial Advisor - Lindahl Financial Group | 15 Meigs Ave #206 | (203) 318-4679 |
| 7 | McLaughlin Associates Insurance Agency | 106 Wall St | (203) 245-8287 |
| 8 | Karen E Buck - Aflac Insurance Agent | 71 Deepwood Dr | (203) 687-7943 |
| 9 | MetLife Auto & Home , part of The Farmers Insurance Group | 60 Wildcat Springs Dr | (860) 665-1204 |
| 10 | Northeastern Underwriters Ltd | 5 Linden Ln | (203) 245-7169 |
Farmers Insurance - Carmelo Pistritto serves the New Haven County area of southern Connecticut, including Madison, as an umbrella insurance agent. Umbrella insurance provides an extra layer of liability coverage that extends beyond the limits of standard home or auto policies. This type of coverage helps protect personal assets and future earnings against large claims or lawsuits. The agent guides local clients in evaluating their existing policies and selecting appropriate additional coverage. This agency specifically handles personal liability umbrella policies and excess liability insurance for residents.
Lauren LaTorre-Osterling - State Farm Insurance Agent provides umbrella insurance policies designed to extend personal liability coverage beyond standard home and auto limits. The agency offers initial risk assessments to help determine appropriate coverage amounts, alongside policy reviews and adjustments as clients' assets or circumstances change. Regular consultations ensure that the umbrella policy aligns with underlying home, renters, and auto plans. This agent serves single-family homeowners, apartment dwellers, and property managers overseeing retail spaces, as well as restaurants needing broader liability protection for their commercial operations.
Carl Jeppesen: Allstone Insurance serves homeowners, businesses, and property managers in the Madison, CT area who need higher coverage limits above their primary policies. The agency provides umbrella liability insurance to protect assets, offering an added layer of security for unexpected claims and lawsuits that exceed standard policy caps. Clients benefit from experienced guidance in evaluating proper coverage levels. The agency also serves communities throughout New Haven County, including nearby Clinton and Guilford.
Nationwide Insurance: Michael Silberberg serves Madison, CT, and the surrounding shoreline communities, handling umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. These policies protect clients from major claims and lawsuits that can exceed underlying policy caps. The agency carefully assesses each client’s risk exposure to recommend an appropriate coverage level. It uses a thorough review of existing policies to determine suitable umbrella limits, ensuring a seamless fit with the client’s current portfolio.
Kearney Insurance Agency LLC, located in Madison, CT, distinguishes between one-time umbrella policy purchases and recurring annual renewals for sustained liability protection. Their coverage extends beyond standard home and auto policies, providing an additional layer of defense against catastrophic claims and lawsuits. This extra liability shield can protect personal assets from significant financial loss. As an insurance agent serving the local area, the company operates on an as-needed basis for policy inquiries and adjustments, with scheduled options for annual policy reviews and renewals.
Justin Lindahl, Financial Advisor at Lindahl Financial Group in Madison, CT, provides coverage options that extend beyond standard policy limits for added liability protection. The firm works with clients to understand their unique asset exposure and does so by offering tailored umbrella insurance to help shield savings and future earnings. Many area homeowners and vehicle owners benefit from such a buffer during major claims or lawsuits. This guidance proves especially valuable during the winter season when local snow and ice accidents pose increased liability risks.
With coastal storm seasons and sudden liability risks from hired help or home businesses in Madison, McLaughlin Associates Insurance Agency provides focused umbrella insurance coverage to extend protection beyond standard policies. The agency helps residents assess where existing limits fall short and secures added liability layers without overcomplicating the process. After an initial discussion reviewed their current household or personal liability profile, they schedule a straightforward property and lifestyle assessment to tailor coverage amounts to local exposures.
Serving clients in the Madison area, Karen E Buck - Aflac Insurance Agent provides general coverage solutions with a focus on adding umbrella insurance policies for extra liability protection. These policies offer an additional layer of security beyond standard homeowners, auto, or business policies, helping defend assets and future earnings in the event of a major claim or lawsuit. The agency can serve the needs of various commercial sectors, including small offices, operational warehouses, and local food service establishments.
MetLife Auto & Home, part of The Farmers Insurance Group, provides residential umbrella insurance coverage to homeowners in and around Madison, Connecticut. The agency also extends commercial umbrella liability policies for local small businesses and professionals seeking added protection beyond standard limits. Their service area includes Madison and the surrounding shoreline communities. Clients often return for policy reviews or coverage adjustments between regular visits, ensuring their liability limits remain appropriately matched to current lifestyle or business changes.
Northeastern Underwriters Ltd, based in Madison, CT, is known for providing umbrella insurance agent services to local residents and businesses. This agency helps clients secure additional liability coverage beyond standard policies, offering protection against major claims and lawsuits. By working with various insurers, it tailors coverage to individual risk profiles, ensuring adequate financial safeguards for assets and future income. A specialty service it provides is adding personal injury protection to umbrella policies for broader liability coverage.
What Does an a Umbrella Insurance Agent in Madison Cost?
Umbrella insurance in Connecticut typically costs between 150 and 300 dollars per year for one million dollars of coverage. Costs increase for higher limits or if you have multiple properties or vehicles. Premiums vary based on your risk profile and the underlying policies. This is general information and not insurance advice.
About umbrella insurance agents in Madison
An umbrella insurance agent in Madison Connecticut helps you secure extra liability coverage beyond your home and auto policies. Connecticut law requires minimum auto liability limits but umbrella policies provide an additional layer of protection. Working with a local agent ensures your policy meets state requirements and covers common local risks like shoreline property liability.
Frequently Asked Questions
What is umbrella insurance and why do I need it in Madison Connecticut?
Umbrella insurance provides extra liability coverage above your existing home and auto policies. In Connecticut this is important because the state has high property values and a litigious environment. An agent can help you determine the right coverage amount for your assets.
How much umbrella coverage do Connecticut homeowners typically need?
Most Connecticut agents recommend at least one million dollars in umbrella coverage. For Madison residents with waterfront homes or rental properties higher limits may be needed. The amount depends on your net worth and potential liability risks.
Are there Connecticut-specific rules for umbrella insurance policies?
Connecticut does not have a specific statute for umbrella policies but they must follow state insurance regulations. The policy usually requires you to maintain underlying liability limits on your auto and home policies. Your agent can explain how Connecticut law affects coverage triggers and exclusions.
Umbrella Insurance Agents in Other Connecticut Cities
Avon · Berlin · Bloomfield · Branford · Bridgeport · Bristol · Cheshire · Danbury · Enfield · Fairfield · Farmington · Glastonbury · Guilford · Hamden · Hartford