ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Looking for a umbrella insurance agent in Niantic? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Niantic, CT
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Connecticut before hiring.
Showing 4 umbrella insurance agents in Niantic, CT
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
CT Insurance Agency | Medicare | Craig Thibeau
190 Flanders Rd unit e, Niantic, CT 06357
(860) 334-1354
craigthibeauinsurance.com
Farmers Insurance - Michael Whalen
180 Flanders Rd Unit 1, Niantic, CT 06357
(860) 850-4416
agents.farmers.com
Welch Standish Insurance LLC
53 Hope St, Niantic, CT 06357
(860) 739-0066
welchstandishins.com
Smith Brothers Insurance
377 Main St UNIT 103, Niantic, CT 06357
(860) 652-3235
smithbrothersusa.com
Umbrella insurance provides an extra layer of liability protection beyond your home and auto policies. In Niantic, Connecticut, this coverage can be especially important for homeowners near the shoreline who face higher property values and potential storm-related claims. A local agent can help you assess your risk and find a policy that fits your needs.
What Does a Umbrella Insurance Agent in Niantic Cost?
In Connecticut, a 1 million dollar umbrella policy typically costs between 150 and 300 dollars per year. Costs vary based on your home location, number of vehicles, and personal risk factors. For example, a Niantic homeowner with a waterfront property may pay slightly more due to higher liability exposure. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance policy cover in Niantic Connecticut?
An umbrella policy covers personal liability claims such as bodily injury or property damage that exceed your underlying home or auto insurance limits. It also covers certain claims not included in standard policies, like libel or slander. In Connecticut, it can protect assets like your home or savings from a lawsuit.
How much umbrella insurance do I need in Connecticut?
Most experts recommend at least 1 million dollars in coverage, but your needs depend on your assets and risk factors. Connecticut courts can award large judgments, so a higher limit may be wise if you own a business or have significant savings. Your agent can help calculate the right amount for your situation.
Is umbrella insurance required in Connecticut?
No, Connecticut law does not require umbrella insurance. However, many auto and home insurers require you to carry certain minimum underlying limits before you can add an umbrella policy. For example, you may need 300,000 dollars in auto liability coverage and 300,000 dollars in home liability coverage.
Free • No Obligation
Compare Umbrella Insurance Agents
Get matched with agents in Niantic who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Connecticut.