The top-rated umbrella insurance agent in Cambridge, Massachusetts is Relation Insurance - Garrity Group, rated 4.9 stars across 342 reviews. Other highly rated options include Insurify, Eagle Trust Insurance, econosurance. This directory lists 14 umbrella insurance agents serving Cambridge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Relation Insurance - Garrity Group | 545 Concord Ave | (617) 354-4640 |
| 2 | Insurify | 201 Broadway Floor 6 | (833) 307-1453 |
| 3 | Eagle Trust Insurance | 125 Cambridgepark Dr Suite 301 | (617) 625-8400 |
| 4 | econosurance | 125 Cambridgepark Dr Suite 301 | (617) 864-2444 |
| 5 | Ralph J Galante Insurance Agency Inc | 1939 Massachusetts Ave | (617) 864-5586 |
| 6 | Al Ponte Insurance | 819 Cambridge St | (617) 492-7600 |
| 7 | Fucillo & Sasso Associates Insurance | 599 Cambridge St suite c-2 | (617) 621-3516 |
| 8 | Thomas F Coughlin Insurance Agency | 1303 Cambridge St | (617) 876-1127 |
| 9 | Premium Insurance Agency | 80-96 Sherman St | (339) 210-5346 |
| 10 | Consumer Insurance Agency | 2350 MA-2A | (617) 545-3036 |
Relation Insurance - Garrity Group serves the Cambridge, Massachusetts, metro area as an umbrella insurance agent. The company assists local clients in securing additional liability coverage that extends beyond standard home or auto policies. This type of insurance provides a vital extra layer of financial protection for residents against major claims or lawsuits. In this role, it helps homeowners and automobile owners choose appropriate policy limits. The firm specifically handles the placement of personal umbrella policies and advises clients on coverage for potential legal defense costs.
Insurify provides umbrella insurance agent services to clients throughout Cambridge, Massachusetts, focusing on securing additional liability protection beyond standard policies. The company assists customers in evaluating risk exposure and coordinates comprehensive coverage extensions to safeguard assets. Service plans typically include policy review, risk assessment consultations, and support during claims filing procedures. The agency also helps maintain adequate policy limits by monitoring changes in personal circumstances or property values. It works with clients who own single-family homes, apartments, retail spaces, and restaurants.
Eagle Trust Insurance serves homeowners, businesses, and property managers in Cambridge, Massachusetts, offering umbrella insurance policies that provide supplementary liability coverage beyond standard limits. This additional protection helps safeguard assets against major claims and lawsuits. As an independent agency, it works to match clients with appropriate coverage from various carriers. Its focus remains on assessing individual risk profiles to recommend suitable excess liability solutions. The agency also serves clients throughout the surrounding Middlesex County communities, including the neighboring city of Somerville.
Based in Cambridge, MA, Econosurance serves that city and the surrounding Greater Boston communities. It handles personal umbrella insurance policies that provide extra liability coverage above standard home and auto limits. Clients often seek added protection against costly lawsuits or major accidents. To understand their current exposure, the firm typically reviews existing homeowners and auto policies, then recommends an umbrella limit that aligns with the client’s total assets. It then secures quotes from standard insurers to find appropriate terms.
Ralph J Galante Insurance Agency Inc in Cambridge, MA provides both one-time and scheduled umbrella insurance services to extend personal liability coverage beyond the limits of standard homeowners or auto policies. This agency helps clients protect their assets against major claims and lawsuits by offering high-limit liability protection. Service includes annual policy reviews and adjustments as personal circumstances change. Access to this additional coverage is available on an ongoing renewal or as-needed basis, depending on client requests.
Al Ponte Insurance specializes in offering umbrella liability coverage, which extends beyond the limits of standard home and auto policies. The agency provides this protection to clients throughout the Cambridge area, helping them safeguard their assets against major claims and lawsuits. In addition, it advises policyholders on how personal liability risks can arise from everyday activities. The company also addresses specific concerns such as coverage gaps that might be exposed during harsh New England winters when icy sidewalks or unplowed driveways increase the risk of costly accident-related claims.
In Cambridge’s changeable weather, unforeseen storm damage or a serious property accident can bring liability claims that exceed standard homeowners or auto policies. Fucillo & Sasso Associates Insurance provides umbrella insurance agents who secure extended liability protection to fill such gaps, creating an extra layer of coverage for clients’ assets. They assist both families and professionals with structuring policies that meet evolving risk exposures. This work promptly begins with a thorough liability risk assessment and initial coverage consultation.
Thomas F Coughlin Insurance Agency works with clients to secure comprehensive personal and commercial liability protection. In Cambridge, MA, it specializes in umbrella insurance policies, which provide additional coverage above standard home and auto limits. These excess liability solutions help safeguard personal assets from major claims. The agency serves a range of commercial operations, including offices, warehouses, and food service businesses.
Premium Insurance Agency in Cambridge, MA is known for providing supplementary liability protection that extends beyond standard policy limits. The agency serves local homeowners, auto policyholders, and those with rental properties, offering coverage designed to shield personal assets against major claims or lawsuits. All umbrella policies function as an extra layer on top an existing base liability insurance. Clients can also arrange for additional coverage tailored specifically for high-net-worth individuals with unique risk exposures.
What Does an a Umbrella Insurance Agent in Cambridge Cost?
The cost of umbrella insurance in Massachusetts typically ranges from 150 to 350 dollars per year for a 1 million dollar policy. Higher coverage limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Your premium depends on factors like your driving record, number of properties, and claims history. This is general information and not insurance advice.
About umbrella insurance agents in Cambridge
Umbrella insurance provides additional liability coverage beyond the limits of your home and auto policies. In Cambridge Massachusetts, this extra layer of protection can be important given the high property values and dense urban environment. A local agent can help you assess your risk and find a policy that meets your needs.
Frequently Asked Questions
What does umbrella insurance cover in Massachusetts?
Umbrella insurance covers legal costs and damages from claims like libel, slander, and property damage. It also covers personal injury claims that exceed your underlying policy limits. Massachusetts law requires a minimum underlying auto liability coverage of 20,000 per person and 40,000 per accident before you can purchase an umbrella policy.
How much umbrella insurance do I need in Cambridge?
The amount you need depends on your assets and potential risks. Many experts recommend coverage equal to your net worth. In Cambridge where home values are often high, a 1 million dollar policy is common. Your agent can help you calculate the right amount based on your specific situation.
Can I get umbrella insurance if I have a rental property in Cambridge?
Yes, you can. Umbrella insurance covers liability from rental properties you own. Massachusetts law requires landlords to maintain certain liability limits. An umbrella policy can provide extra protection above those limits for accidents or injuries on your rental property.
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