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Compare umbrella insurance agents in Spencer. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Spencer, 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 4 umbrella insurance agents in Spencer, 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.
David F. Kelley Insurance Agency, Inc.
154 Main St, Spencer, MA 01562
(508) 885-3794
davidkelleyins.com
HUB International
369 Main St #9, Spencer, MA 01562
(508) 885-9999
hubinternational.com
McGrath Insurance, a Division of Starkweather and Shepley Insurance
130 W Main St, Spencer, MA 01562
(508) 885-6545
starshep.com
Gregson Insurance Agency Inc
369 Main St, Spencer, MA 01562
(508) 248-3800
An umbrella insurance policy provides additional liability coverage beyond the limits of your home and auto policies. In Spencer Massachusetts, an independent agent can help you assess your risk and secure a policy that meets state requirements. Massachusetts law often requires minimum liability limits on auto policies, and an umbrella policy can provide an extra layer of protection for your savings and future earnings.
What Does a Umbrella Insurance Agent in Spencer Cost?
In Massachusetts, a one million dollar personal umbrella policy typically costs between 150 and 300 dollars per year. Costs vary based on your driving record, number of vehicles, and property values. Higher coverage limits, such as two or five million dollars, will increase the premium. This is general information and not insurance advice. Always consult a licensed agent for a quote tailored to your situation.
* 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 Spencer do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy. This policy provides extra coverage after your home or auto insurance limits are exhausted. The agent will review your assets and risks to recommend an appropriate coverage amount.
How much umbrella insurance do I need in Massachusetts?
The amount you need depends on your assets and potential liability risks. Many agents suggest at least one million dollars in coverage. Massachusetts courts can award large judgments, so higher limits may be wise if you own a home or have significant savings.
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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.