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Find Umbrella Insurance Agents Near You in Winchester, MA

Browse umbrella insurance agents serving Winchester, Massachusetts. Updated 2026-07-14.

The top-rated umbrella insurance agent in Winchester, Massachusetts is Scotti Insurance Agency, rated 4.3 stars across 14 reviews. Other highly rated options include Saltmarsh Insurance Agency, Admiralty Insurance Agency Inc, John A Pierce Insurance Inc. This directory lists 12 umbrella insurance agents serving Winchester.

Showing 12 umbrella insurance agents in Winchester, MAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Scotti Insurance Agency19 Mt Vernon St(781) 729-9200
2Saltmarsh Insurance Agency751 Main St(781) 729-4615
3Admiralty Insurance Agency Inc2 Central St(781) 721-5500
4John A Pierce Insurance Inc934 Main St(781) 729-8770
5W Allan Wilde & Son Insurance Agency, Inc.887 Main St #1911(781) 729-1400
6Horace Mann Insurance Co895 Main St(781) 368-9029
7Furey Insurance28 Church St #8(781) 721-5758
8Barry & McHugh Insurance Inc10 Skillings Rd(781) 729-6600
9BARRY FREEMAN895 Main St(781) 368-9029
10Jay M Finn Insurance10 Skillings Rd(781) 729-5724
SI
19 Mt Vernon St
Scotti Insurance Agency
Umbrella Insurance Agent · Winchester, MA

Scotti Insurance Agency provides umbrella insurance services to clients throughout the Winchester, Massachusetts area. This type of policy adds an extra layer of liability coverage beyond standard home and auto limits. Local residents often seek this protection to safeguard their assets from major claims or lawsuits. The agency helps Winchester homeowners and drivers evaluate their existing policies to determine adequate coverage amounts. It also assists with personal liability protection for rental property owners and those with recreational vehicles.

SI
751 Main St
Saltmarsh Insurance Agency
Umbrella Insurance Agent · Winchester, MA

Saltmarsh Insurance Agency provides local umbrella insurance agent services in the Winchester, MA area, offering clients personal liability coverage that extends beyond standard policy limits. Its service approach involves helping customers secure a line of extra protection against major claims or lawsuits. Maintenance of each policy includes reviewing existing home and auto coverage to ensure proper integration with the umbrella layer. The company routinely handles updates to maintain consistent protection. It services single-family homes, apartments, retail, and restaurants.

AI
2 Central St
Admiralty Insurance Agency Inc
Umbrella Insurance Agent · Winchester, MA

Serving Winchester and the surrounding communities of Middlesex County, Admiralty Insurance Agency Inc handles personal umbrella liability coverage for local residents and businesses. This type of insurance extends protection beyond standard auto and homeowners limits against major claims or lawsuits. The agency works closely with each client to assess specific risks from activities like boating or rental properties. It then structures a customized policy that layers additional defense and settlement coverage onto existing underlying plans, ensuring comprehensive protection for a typical household.

JP
934 Main St
John A Pierce Insurance Inc
Umbrella Insurance Agent · Winchester, MA

Homeowners, businesses, and property managers in Winchester turn to John A Pierce Insurance Inc for umbrella insurance agent services to secure added liability protection beyond standard policies. This coverage helps shield personal or commercial assets against large claims and lawsuits. The agency works closely with clients to evaluate their unique risk exposure, ensuring appropriate policy limits are set. As a local resource, the company also provides its comprehensive umbrella services to neighboring communities in the surrounding north suburban Boston metro area.

WA
887 Main St #1911
W Allan Wilde & Son Insurance Agency, Inc.
Umbrella Insurance Agent · Winchester, MA

W Allan Wilde & Son Insurance Agency, Inc. in Winchester, MA serves clients seeking umbrella insurance, which extends personal liability coverage beyond standard home and auto policies. The firm provides one-time policy evaluation services for those reviewing their current exposure, as well as ongoing coverage adjustments for clients who want updated protection limits each renewal period. Every policy is designed to shield personal assets from major lawsuits. Service for existing clients typically runs on an as-needed basis for policy questions, though annual policy reviews are offered as a scheduled option.

HM
895 Main St
Horace Mann Insurance Co
Umbrella Insurance Agent · Winchester, MA

Horace Mann Insurance Co provides specialized umbrella insurance agent services, offering additional liability coverage that extends beyond standard home and auto policies. The company serves residents and professionals in Winchester, Massachusetts, helping them secure broader financial protection against major claims or lawsuits. Its general service work includes assessing individual risk exposures and tailoring policy limits to fit personal assets and lifestyle needs. This local agency also addresses the increased liability concerns that arise during the region’s winter months, when icy conditions elevate the potential for accidents on residential properties.

FI
28 Church St #8
Furey Insurance
Umbrella Insurance Agent · Winchester, MA

As the leaves begin to pile on Winchester lawns each fall, the risk of someone slipping on a neighbor’s walkway often raises liability concerns for local homeowners. Furey Insurance, an umbrella insurance agent in the area, helps residents secure extra coverage beyond a standard auto or homeowner policy to protect against such unexpected claims. After an initial phone consultation to review existing policies, an agent will schedule a brief inspection of the property.

BM
10 Skillings Rd
Barry & McHugh Insurance Inc
Umbrella Insurance Agent · Winchester, MA

Barry & McHugh Insurance Inc in Winchester, MA provides residential umbrella insurance to protect homeowners from liability beyond standard policies. The firm also assists local businesses with commercial coverage, ensuring broader financial security across the region. Their agents help clients secure additional layers of protection after assessing personal or commercial needs. Customers often return to review policies during regular visits, adjusting limits as circumstances change to maintain consistent, reliable risk management.

BF
895 Main St
BARRY FREEMAN
Umbrella Insurance Agent · Winchester, MA

Barry Freeman works as an umbrella insurance agent in the Winchester area, handling the typical work of an agency that focuses on providing extra liability coverage beyond standard policies. This allows clients to gain broader protection against unexpected claims or lawsuits. The agency can serve diverse commercial sectors such as offices, which require coverage for professional liabilities, warehouses needing protection for stored inventory and operational risks, and food service businesses that face unique hazards related to preparation and public service.

JM
10 Skillings Rd
Jay M Finn Insurance
Umbrella Insurance Agent · Winchester, MA

Jay M Finn Insurance, located in Winchester, MA, operates as a local umbrella insurance agent, offering personal liability protection that extends above standard policy limits. The firm assists clients in the area by providing broader coverage for auto and homeowners insurance needs, filling gaps where primary policies may fall short. An umbrella policy can safeguard assets against large claims. As a specialty service, the company can coordinate stand-alone excess liability coverage for properties with rental units.

DI
10 Skillings Rd
Ducey Insurance Agency
Umbrella Insurance Agent · Winchester, MA
(781) 235-6795
BH
175 Washington St # C24
Black Horse Insurance
Umbrella Insurance Agent · Winchester, MA
(781) 729-1164
blackhorseinsurance.com

What Does an a Umbrella Insurance Agent in Winchester 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 actual premium depends on factors like number of properties, driving record, and claims history. This is general information and not insurance advice.

About umbrella insurance agents in Winchester

Umbrella insurance agents in Winchester Massachusetts help you secure extra liability coverage that goes beyond your home and auto policies. Massachusetts law requires minimum auto liability limits of 20/40/5 but a personal umbrella policy can provide an additional layer of protection. Working with a local agent ensures your policy aligns with state regulations and your specific risk profile.

Frequently Asked Questions

What does an umbrella insurance agent in Winchester do?

An umbrella insurance agent helps you purchase a personal liability policy that covers claims exceeding your primary insurance limits. In Massachusetts this is especially important for homeowners and drivers who face higher liability risks from icy sidewalks or car accidents.

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, income, and potential liability exposure from activities like owning a pool or rental property.

Can I get umbrella insurance without a Massachusetts homeowners policy?

Yes but you must have an underlying auto or homeowners policy with minimum liability limits. Massachusetts insurers typically require at least 300,000 dollars in auto liability and 300,000 dollars in homeowners liability before issuing an umbrella policy.

Umbrella Insurance Agents in Other Massachusetts Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.