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.
Find Umbrella Insurance Agents Near You in Budd Lake, NJ
Browse umbrella insurance agents serving Budd Lake, New Jersey. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Budd Lake, NJ
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 New Jersey before hiring.
Showing 2 umbrella insurance agents in Budd Lake, NJ
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Tom Maisano - State Farm Insurance Agent
238 US-46 W, Budd Lake, NJ 07828
(973) 691-1212
tommaisano.com
John Johnson Insurance Services, LLC
481 US-46, Budd Lake, NJ 07828
(908) 747-4282
jjinsurancenj.com
An umbrella insurance agent in Budd Lake, New Jersey can help you secure additional liability coverage beyond your standard auto or homeowners policy. New Jersey law requires all drivers to carry minimum liability insurance, but an umbrella policy provides extra protection against large claims or lawsuits. Local agents understand the specific risks for Budd Lake residents, including weather-related incidents and recreational activities near Lake Hopatcong.
What Does a Umbrella Insurance Agent in Budd Lake Cost?
The cost of an umbrella insurance policy in New Jersey 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. Factors like your driving record, home value, and number of properties affect the premium. 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 Budd Lake do?
An umbrella insurance agent in Budd Lake helps you purchase a personal umbrella liability policy that extends coverage limits above your existing home and auto insurance. They assess your assets and risk factors to recommend an appropriate coverage amount. New Jersey agents must be licensed by the state Department of Banking and Insurance.
How much umbrella coverage do I need in New Jersey?
Most New Jersey residents choose between 1 million and 5 million dollars in umbrella coverage. The right amount depends on your net worth, income, and potential liability risks. An agent can help calculate a suitable limit based on your personal situation.
Is umbrella insurance required in New Jersey?
Umbrella insurance is not required by New Jersey law, but it is strongly recommended for homeowners, business owners, or anyone with significant assets. New Jersey courts can award large judgments in personal injury or property damage cases, making extra coverage valuable.
Free • No Obligation
Compare Umbrella Insurance Agents
Get matched with agents in Budd Lake 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 New Jersey.