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Compare Umbrella Insurance Agents in Neptune City, NJ
Looking for a umbrella insurance agent in Neptune City? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Neptune City, 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 4 umbrella insurance agents in Neptune City, 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.
Mansa Nicome - State Farm Insurance Agent
86 NJ-35, Neptune City, NJ 07753
(732) 776-9999
nicomeagency.com
All Guard Auto Insurance Inc.
80 NJ-35, Neptune City, NJ 07753
(732) 988-8888
allguardinsurance.weebly.com
World Insurance Associates LLC (formerly Amato Insurance Agency
4900 NJ-33 Suite 103, Neptune City, NJ 07753
(732) 530-6740
locations.worldinsurance.com
Dirus & Sons LLC
2100 NJ-33 #4, Neptune City, NJ 07753
(732) 988-7300
dirusnsons.com
Umbrella insurance agents in Neptune City help residents secure extra liability coverage beyond standard auto or homeowners policies. In New Jersey, umbrella policies often require underlying coverage limits of 250,000 per person and 500,000 per accident for auto liability. Local agents can guide you through New Jersey specific requirements and help tailor a policy to your assets and risk profile.
What Does a Umbrella Insurance Agent in Neptune City Cost?
Typical umbrella insurance costs in New Jersey range from 150 to 400 dollars per year for 1 million dollars in coverage. Costs increase with higher limits, usually by 75 to 150 dollars per additional million. Your premium depends on factors like your driving record, number of properties, and claims history. 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 is umbrella insurance and why do I need it in Neptune City?
Umbrella insurance provides extra liability protection above your existing home and auto policies. In New Jersey, it can cover legal costs and judgments from lawsuits, which are common in personal injury claims. This coverage is especially useful if you own property or have significant savings.
How much umbrella coverage should I get in New Jersey?
Most agents recommend at least 1 million dollars in umbrella coverage for New Jersey residents. Higher net worth individuals may need 2 to 5 million dollars to fully protect assets. Your agent will assess your assets and risk factors to suggest an appropriate limit.
Does New Jersey law require umbrella insurance?
New Jersey does not require umbrella insurance by law. However, many insurers require you to carry minimum underlying limits on your auto and home policies before offering umbrella coverage. These minimums are typically 250,000 per person and 500,000 per accident for auto liability.
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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.