The top-rated umbrella insurance agent in Lowell, Massachusetts is AAA Lowell, rated 4.4 stars across 414 reviews. Other highly rated options include A-Affordable Insurance Agency, Inc., Monica Insurance Agency Inc, Mill City Insurance Inc. This directory lists 22 umbrella insurance agents serving Lowell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Lowell | 585 Pawtucket Blvd | (978) 937-3061 |
| 2 | A-Affordable Insurance Agency, Inc. | 850 Chelmsford St | (978) 970-1500 |
| 3 | Monica Insurance Agency Inc | 11 Mill St | (978) 454-2577 |
| 4 | Mill City Insurance Inc | 493 Westford St | (978) 441-0005 |
| 5 | Francis E. Provencher Insurance | 530 Rogers St | (978) 459-8681 |
| 6 | KK Insurance Agency, Inc. | 508 Westford St | (978) 970-2212 |
| 7 | Action Auto Insurance Agency | 703 Chelmsford St | (978) 441-2800 |
| 8 | Alpha Insurance | 648 Central St | (978) 459-4547 |
| 9 | Fred C. Church, Inc. | 41 Wellman St | (978) 458-1865 |
| 10 | Angela Westen Insurance | 543 Rogers St | (978) 735-4094 |
AAA Lowell serves the Lowell, Massachusetts metro area as an umbrella insurance agent. The company assists residents and businesses in securing additional liability coverage that extends beyond the limits of standard home and auto policies. This extra layer of financial protection helps safeguard assets against major claims or lawsuits. Umbrella insurance from agents like AAA Lowell also often covers claims not included in underlying primary policies, such as personal injury allegations. AAA Lowell specifically handles personal umbrella policies and commercial umbrella policies for local clients.
A-Affordable Insurance Agency, Inc. provides umbrella insurance policies that offer additional liability coverage beyond standard home and auto policies. It helps clients secure increased protection against major claims and lawsuits. The agency develops personalized plans tailored to each client’s risk profile and offers ongoing policy review and adjustment services. This ensures coverage limits remain adequate as circumstances change. It serves a variety of property types, including single-family homes, apartments, retail spaces, and restaurants in the Lowell, Massachusetts area.
Monica Insurance Agency Inc in Lowell, Massachusetts serves homeowners, businesses, and property managers by providing umbrella insurance policies that extend liability coverage beyond standard limits. This agency helps clients protect assets from lawsuits and major claims, offering a crucial layer of financial safety for those with significant property or operational risks. Their professional guidance on policy options addresses the unique liability exposures common in the Merrimack Valley area, including coverage for clients located in nearby Tewksbury.
Mill City Insurance Inc provides umbrella liability coverage for Lowell and the surrounding area. This type of insurance extends beyond the limits of standard home and auto policies to offer additional financial protection against major claims. The agency works to secure comprehensive personal liability plans that help safeguard clients’ assets from large lawsuits or judgments. Its services primarily cater to single-family homes, apartments, retail stores, and restaurants, ensuring these properties have elevated liability coverage for routine risks.
Francis E. Provencher Insurance serves the Lowell, Massachusetts area and nearby communities, handling personal umbrella coverage that extends liability protection beyond standard policies. This type of insurance helps safeguard assets from major claims and lawsuits. The agency reviews each client's existing home and auto policies to determine appropriate coverage levels. For a typical job, it carefully assesses individual risk factors and recommends a policy limit that provides comprehensive protection without unnecessary overlap.
KK Insurance Agency, Inc. in Lowell, MA serves clients by connecting them with umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. Its general service work focuses on helping local residents evaluate their personal risk exposure and select appropriate added protection layers. For those in the area, the agency frequently advises on the heightened need for additional liability coverage during the winter months, when slips, snow removal accidents, and other property-based incidents become more common.
As an umbrella insurance agent, Action Auto Insurance Agency in Lowell, MA offers both one-time policy evaluations and recurring coverage updates to meet changing liability needs. Umbrella policies extend protection beyond standard home and auto limits, guarding against major claims and lawsuits. The agency helps clients assess personal risk and select appropriate umbrella coverage levels based on their assets. Their services run on an as-needed basis, triggered by policy renewal dates or significant life events that may alter liability exposure.
Heavy snowfall and icy walkways in Lowell can lead to unexpected slip-and-fall claims on residential property, exposing homeowners to financial risk beyond standard policies. Alpha Insurance serves the area as an umbrella insurance agent, helping residents secure additional liability coverage that extends beyond the limits of their home and auto insurance. This specialist role involves reviewing existing policies to identify exposure gaps and recommending appropriate umbrella limits for local conditions. A full assessment of your current coverage begins with a complimentary consultation and risk review at their Lowell office.
Fred C. Church, Inc. in Lowell, MA, provides residential umbrella insurance, offering extra liability protection that goes beyond standard homeowners policies. The agency also extends commercial umbrella coverage for businesses in the area seeking additional liability layers. Serving clients throughout greater Lowell and surrounding communities, this firm addresses common concerns about asset protection from major claims or lawsuits. After an initial policy is secured, the agency typically contacts clients again during renewal periods to review limits and adjust coverage as needed between regular service visits.
Angela Westen Insurance provides personal liability coverage with a primary focus on helping clients in Lowell secure protection beyond standard policy limits. Its specialty umbrella policies extend coverage for auto, home, and rental exposures, safeguarding assets against major lawsuits and claims. The agency serves area professionals and businesses, including offices needing extra liability layers, warehouses requiring gap coverage, and food service operations facing unique risk exposures.
What Does an a Umbrella Insurance Agent in Lowell Cost?
The cost of an umbrella insurance policy in Massachusetts typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Factors such as your driving record, number of properties, and number of vehicles affect the premium. Costs may be higher if you have a high-risk profile or need more than 1 million dollars in coverage. This is general information and not insurance advice.
About umbrella insurance agents in Lowell
An umbrella insurance agent in Lowell Massachusetts can help you secure additional liability coverage beyond your standard home and auto policies. Massachusetts law requires all drivers to carry minimum liability insurance, but an umbrella policy provides an extra layer of protection for assets. Agents in Lowell understand the local risks and can tailor coverage to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Lowell do?
An umbrella insurance agent in Lowell helps you purchase a personal umbrella policy that extends liability limits above your existing home and auto insurance. They assess your assets and risk exposure to recommend appropriate coverage amounts. This is especially useful in Massachusetts where minimum auto liability limits may not cover a serious accident.
How much umbrella coverage do I need in Massachusetts?
Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth and potential liability risks. Massachusetts courts can award large judgments in personal injury cases, so higher limits may be prudent. An agent can help you calculate a suitable amount based on your financial situation.
Is umbrella insurance required by law in Massachusetts?
No, umbrella insurance is not required by Massachusetts law. However, Massachusetts does require minimum auto liability coverage of 20 thousand dollars per person and 40 thousand dollars per accident. An umbrella policy is an optional way to protect your savings and future earnings if you are sued for damages beyond those limits.