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.
Compare umbrella insurance agents in Chatham. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Chatham, MA
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 Massachusetts before hiring.
Showing 2 umbrella insurance agents in Chatham, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Cape Wide Insurance Inc
1685 Main St, Chatham, MA 02633
(508) 945-5244
capewideinsurance.com
Curtis Insurance Agency
128 Wood Carver Knoll, Chatham, MA 02633
(508) 375-3312
Umbrella insurance agents in Chatham Massachusetts help residents secure extra liability coverage that kicks in when standard home or auto policies reach their limits. Massachusetts law requires minimum auto liability limits of 20/40/5 but a personal umbrella policy can provide an additional one million dollars or more in protection. Local agents understand the unique risks of coastal living and can tailor coverage to your needs.
What Does a Umbrella Insurance Agent in Chatham Cost?
The cost of an umbrella insurance policy in Massachusetts typically ranges from 150 to 400 dollars per year for one million dollars of coverage. Premiums can be higher for homes with pools, trampolines, or rental units. Factors such as your driving record, credit history, and number of properties also affect the rate. 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 agent in Chatham do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides coverage above the limits of your underlying home and auto policies. The agent reviews your assets and risk exposure to recommend an appropriate coverage amount. They also help you meet the underlying policy requirements set by Massachusetts insurers.
Do I need umbrella insurance in Chatham Massachusetts?
Umbrella insurance is recommended if you own a home, have significant savings, or face higher liability risks such as owning a boat or having a swimming pool. In Chatham coastal properties and rental income from seasonal tenants can increase your exposure. A local agent can evaluate your specific situation.
How much umbrella coverage do I need in Massachusetts?
Most agents recommend at least one million dollars in umbrella coverage but the right amount depends on your net worth and potential liability. Massachusetts does not set a minimum for umbrella policies but insurers often require underlying auto and home liability limits of 300/300/100 or similar. Your agent can calculate an appropriate limit for your assets.
Free • No Obligation
Compare Umbrella Insurance Agents
Get matched with agents in Chatham 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 Massachusetts.