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Directory of umbrella insurance agents in Swansea, Massachusetts. Verify credentials with the state department of insurance before hiring.
4 agents listed
Updated May 2026
Swansea, 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 Swansea, 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.
BayCoast Insurance
560 Wilbur Ave, Swansea, MA 02777
(508) 675-0308
baycoastinsurance.com
Frank Smith Insurance & Real Estate
246 Gardners Neck Road, Swansea, MA 02777
(508) 675-5557
franksmithinsurance.com
Hallmark Insurance Agency
220 Oak St, Swansea, MA 02777
(508) 209-5103
Customer Service | BayCoast Insurance
560 Wilbur Ave, Swansea, MA 02777
(508) 491-3100
baycoastinsurance.com
Umbrella insurance agents in Swansea Massachusetts help residents secure extra liability coverage beyond standard home and auto policies. Massachusetts law requires minimum auto liability limits of 20/40/5 but an umbrella policy can provide an additional layer of protection. Local agents understand the specific risks for coastal homeowners and can guide you through policy options.
What Does a Umbrella Insurance Agent in Swansea Cost?
The cost of an umbrella insurance policy in Massachusetts typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Your premium depends on factors such as the number of homes vehicles and drivers on your policy. 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 Swansea do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims above your existing home and auto insurance limits. In Massachusetts this coverage is especially useful for homeowners near the coast who face higher liability risks from slip and fall incidents or dog bites.
How much umbrella coverage do I need in Massachusetts?
Most agents recommend at least 1 million dollars in umbrella coverage for Massachusetts residents. The amount you need depends on your assets including home value savings and future income. A Swansea agent can review your financial situation to suggest an appropriate limit.
Is umbrella insurance required by law in Massachusetts?
No Massachusetts does not require umbrella insurance by law. However many lenders and landlords may require it as a condition of a mortgage or lease. An agent can help you understand when umbrella coverage is necessary for your specific situation.
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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.