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Compare Umbrella Insurance Agents in Somerville, NJ
Compare umbrella insurance agents in Somerville. Review contact information and insurance categorys before you decide.
5 agents listed
Updated May 2026
Somerville, 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 5 umbrella insurance agents in Somerville, 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.
Jason Spraggs - State Farm Insurance Agent
30 Roosevelt Pl, Somerville, NJ 08876
(973) 396-0352
jasonspraggs.com
Lileen Schwarz - State Farm Insurance Agent
75-77 N Bridge St Ste 105, Somerville, NJ 08876
(908) 864-2859
somervilleagent.org
Marine Agency Corp
34 W Main St #201, Somerville, NJ 08876
(800) 763-4775
marineagency.com
ReliaGuard Insurance NJ
3272 US-22, Somerville, NJ 08876
(908) 460-6749
John Morgan Mclachlan Agency Inc
75 E Main St, Somerville, NJ 08876
(908) 526-4600
An umbrella insurance agent in Somerville, New Jersey helps you secure extra liability coverage that goes beyond your auto and homeowners policies. New Jersey law requires minimum auto liability limits of 15000 per person and 30000 per accident, but an umbrella policy can provide 1 million or more in additional protection. This is especially important in Somerset County where property values and lawsuit risks can be high.
What Does a Umbrella Insurance Agent in Somerville Cost?
In New Jersey, a 1 million dollar umbrella policy typically costs between 150 and 300 dollars per year for a single vehicle and home. Adding a second car or a teenage driver can raise the premium to 400 or 500 dollars annually. Costs vary based on your claims history, credit score, and the underlying insurance limits. This is general information, 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 Somerville do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding your primary insurance limits. They assess your assets and risk factors to recommend appropriate coverage amounts. In New Jersey, umbrella policies often cover legal defense costs for certain lawsuits.
How much umbrella insurance do I need in New Jersey?
Most experts suggest coverage equal to your net worth plus future earnings potential. In Somerville, where home values average around 400000, a 1 million dollar policy is common. New Jersey courts allow large jury awards, so higher limits may be wise for homeowners with significant assets.
Is umbrella insurance required by law in New Jersey?
No, New Jersey does not require umbrella insurance by law. However, it is strongly recommended for anyone with substantial assets or liability risks. New Jersey follows a comparative negligence rule, meaning you can be held partially responsible for accidents, making extra coverage valuable.
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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.