The top-rated umbrella insurance agent in Torrington, Connecticut is Brooks, Todd & McNeil Insurance, rated 4.7 stars across 162 reviews. Other highly rated options include Amie Chasse - State Farm Insurance Agent, HealthMarkets Insurance - Mel Brickman, Toth Insurance Agency LLC. This directory lists 17 umbrella insurance agents serving Torrington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Brooks, Todd & McNeil Insurance | 69 Water St | (860) 482-5591 |
| 2 | Amie Chasse - State Farm Insurance Agent | 469 Prospect St | (860) 482-6002 |
| 3 | HealthMarkets Insurance - Mel Brickman | 16 McDermott Ave Suite 1 | (860) 307-1128 |
| 4 | Toth Insurance Agency LLC | 1151 E Main St | (860) 496-7771 |
| 5 | Brickman Insurance Services | 16 McDermott Ave Suite 1 | (860) 307-1128 |
| 6 | Strathman-Winch Insurance | 663 E Main St Suite #8 | (203) 272-5546 |
| 7 | Health Insurance Services Of Connecticut | Craig Yard | 438 E Main St | (860) 626-5594 |
| 8 | Summit Insurance | 2383 Winsted Rd | (860) 601-4046 |
| 9 | H R Madeux Agency Inc | 497 Main St | (860) 489-6714 |
| 10 | Insurance Center of Torrington | 292 Church St | (860) 489-0253 |
Brooks, Todd & McNeil Insurance serves the Torrington, Connecticut area as an umbrella insurance agent. The firm provides supplementary liability coverage that extends beyond the limits of standard home and auto policies, offering clients additional financial protection against major claims or lawsuits. This helps safeguard personal assets from unforeseen events. Its services include personal umbrella policies for individual households and commercial umbrella coverage tailored for local businesses.
Amie Chasse, operating as a State Farm Insurance Agent in Torrington, CT, provides comprehensive umbrella insurance policies that extend liability coverage beyond standard home and auto limits. The agency offers personalized policy reviews to ensure coverage levels remain appropriate as circumstances change, assisting clients with plan modifications as needed. Umbrella insurance serves to protect personal assets from major claims or lawsuits. The agency services a variety of properties, including single-family homes, apartments, retail locations, and restaurants.
HealthMarkets Insurance - Mel Brickman serves homeowners, businesses, and property managers in Torrington, Connecticut, who need supplemental liability coverage beyond standard policies. This agency specializes in umbrella insurance, providing an extra layer of financial protection against major claims or lawsuits. Clients consult with a knowledgeable local agent who assesses their unique risk exposure and recommends appropriate policy limits. The agency also extends its coverage and services to clients throughout Litchfield County and neighboring towns such as Winsted and New Hartford.
Toth Insurance Agency LLC serves clients in Torrington, Connecticut, and the surrounding communities. The agency handles umbrella insurance policies, which provide extra liability coverage beyond standard home and auto limits. These policies help protect policyholders from major claims and lawsuits that could otherwise deplete personal assets. The typical job begins with a review of a client’s existing primary coverages, then calculates the appropriate additional limit needed based on overall risk. Toth Insurance Agency LLC applies a careful, comparison-based method for each umbrella policy it secures for a client.
Brickman Insurance Services offers its umbrella insurance clients both one-time policy reviews and recurring annual adjustments to maintain adequate liability coverage. Operating in Torrington, CT, the agency structures coverage layers above homeowners and auto policies to protect personal assets from major claims and lawsuits. Services run on an as-needed basis, with policyholders scheduling consultations when acquiring new property or experiencing significant life changes that affect their liability exposure.
Strathman-Winch Insurance offers specialty umbrella liability policies that expand coverage beyond standard home and auto limits, providing an extra layer of financial protection. The firm serves residents and businesses throughout Torrington, Connecticut, addressing broad personal and commercial risk exposure. This supplemental coverage helps safeguard assets and future earnings against major claims or lawsuits. During the changing weather of early spring, when increased outdoor activities and potential property hazards arise, the agency assists clients in evaluating whether excess liability limits are adequate to meet evolving seasonal risks.
As the leaves turn in Litchfield County, property risks from falling branches and ice dams prompt local homeowners to review their liability coverage. Health Insurance Services Of Connecticut | Craig Yard in Torrington, CT provides umbrella insurance agent services tailored to these seasonal exposures. The agency helps clients in the region secure additional liability protection beyond standard policies, addressing gaps that could arise from accidents on their property. An initial in-person or virtual consultation typically assesses the client’s existing coverage limits and personal assets before recommending a policy amount.
Summit Insurance offers general liability and property coverage to individuals and businesses throughout the Torrington area. The agency specializes in writing umbrella insurance policies, which provide extra liability protection beyond the limits of standard auto, home, or commercial policies. This added coverage helps safeguard assets and future income against major claims or lawsuits. Summit Insurance serves local commercial clients including offices, warehouses, and food service operations.
H R Madeux Agency Inc located in Torrington assists homeowners with residential umbrella insurance to extend liability protection beyond standard policies. The agency also helps businesses and commercial clients find appropriate coverage for their unique risks. Service is provided to Torrington and the surrounding areas. Clients often contact the agency for policy reviews and adjustments when their circumstances change. They return between regular visits to update coverage or discuss new exposures as they arise.
Insurance Center of Torrington is known for providing umbrella insurance policies that extend liability coverage beyond standard homeowners and auto insurance limits. Serving the Torrington, CT area, its agents help clients protect assets and future income from major claims or lawsuits. These policies typically cover legal defense costs and settlements that exceed primary coverage amounts. Residents may consider adding this coverage when their existing liability limits are insufficient. The firm can also assist with coordinating personal injury liaisons related to excess liability claims.
What Does an a Umbrella Insurance Agent in Torrington Cost?
Umbrella insurance in Connecticut typically costs between 150 and 400 dollars per year for one million dollars of coverage. Higher limits of two to five million dollars may cost 300 to 800 dollars annually. Costs vary based on your risk profile, number of vehicles, and property characteristics. This is general information and not insurance advice.
About umbrella insurance agents in Torrington
Umbrella insurance provides extra liability coverage that goes beyond the limits of your home and auto policies. In Torrington Connecticut an umbrella insurance agent can help you secure this additional layer of protection. Connecticut law requires minimum liability limits on auto policies but an umbrella policy can cover gaps and protect your savings and future earnings.
Frequently Asked Questions
What does an umbrella insurance agent in Torrington do?
An umbrella insurance agent helps you assess your personal liability risks and find a policy that provides extra coverage above your existing home and auto insurance. They explain how umbrella insurance works in Connecticut and help you choose the right coverage limit for your situation.
Who needs umbrella insurance in Connecticut?
Anyone with significant assets or future income to protect should consider umbrella insurance. Connecticut residents with a swimming pool, rental property, or a dog may face higher liability risks. An agent can review your specific exposures and recommend appropriate coverage.
How much umbrella insurance do I need in Torrington?
Most agents recommend at least one million dollars in umbrella coverage. The right amount depends on your net worth, income, and lifestyle. An agent in Torrington can help you calculate a limit that adequately protects your assets under Connecticut liability laws.
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