The top-rated umbrella insurance agent in Fair Lawn, New Jersey is ABA Insurance Agency, rated 4.8 stars across 229 reviews. Other highly rated options include Fernando Frias - State Farm Insurance Agent, Fawaz Ghannam - State Farm Insurance Agent, Suburban Insurance. This directory lists 10 umbrella insurance agents serving Fair Lawn.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | ABA Insurance Agency | 16-00 NJ-208 Suite 103 | — |
| 2 | Fernando Frias - State Farm Insurance Agent | 34-12 Broadway | (201) 254-3539 |
| 3 | Fawaz Ghannam - State Farm Insurance Agent | 12-45 River Rd #2 | (201) 791-6200 |
| 4 | Suburban Insurance | 6-16 Saddle River Rd | (201) 796-1881 |
| 5 | Kobrin Agency Inc | 26-02 Broadway | — |
| 6 | ASAP Insurance Agency LLC | 13-33A River Rd | (201) 773-6669 |
| 7 | Kando Service Agency Inc | 6-16 Saddle River Rd | (201) 796-1881 |
| 8 | United Assurance | 16-00 Pollitt Dr | (201) 797-6600 |
| 9 | Kurnath Insurance | 13-17 River Rd | (201) 797-5202 |
| 10 | Perna Agency | 16-00 Pollitt Dr | (201) 581-0628 |
What Does an a Umbrella Insurance Agent in Fair Lawn Cost?
In New Jersey, a $1 million personal umbrella policy typically costs between $150 and $300 per year. A $2 million policy may range from $250 to $500 annually. Costs vary based on your driving record, number of properties, and the underlying insurance carriers. This is general information and not insurance advice.
About umbrella insurance agents in Fair Lawn
An umbrella insurance agent in Fair Lawn, New Jersey helps you obtain personal liability coverage that extends beyond the limits of your auto or homeowners policy. In New Jersey, umbrella policies typically require underlying coverage of at least $250,000 for auto liability and $300,000 for homeowners liability. This extra layer protects your assets from major claims or lawsuits, including those related to dog bites or car accidents on local roads like Route 208.
Frequently Asked Questions
What does an umbrella insurance agent in Fair Lawn do?
An umbrella insurance agent in Fair Lawn helps you evaluate your risk exposure and purchase a policy that provides additional liability coverage. They review your existing auto and homeowners policies to ensure proper underlying limits are met. The agent then secures a policy that kicks in after those underlying limits are exhausted.
How much umbrella coverage do I need in New Jersey?
Most New Jersey umbrella policies start at $1 million in coverage. The amount you need depends on your assets, income, and potential liability risks. A common recommendation is to have enough coverage to protect your net worth plus future earnings.
Does umbrella insurance cover legal defense costs in New Jersey?
Yes, umbrella insurance typically covers legal defense costs for covered claims, even if the lawsuit is groundless. In New Jersey, this can include defense against claims for bodily injury, property damage, or personal injury like slander. The policy often pays these costs in addition to the liability limit.
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