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Compare umbrella insurance agents in Sparta. Review contact information and insurance categorys before you decide.
9 agents listed
Updated May 2026
Sparta, 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 9 umbrella insurance agents in Sparta, 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.
Jersey Insurance Solutions - Medicare & Health Insurance
46 Main St Suite 402, Sparta, NJ 07871
(973) 500-3708
jerseyinsurancesolutions.com
Alex Aguado - State Farm Insurance Agent
160 Woodport Rd Ste 1A, Sparta, NJ 07871
(973) 729-5661
alexaguado.com
Supreme Insurance NJ
71 Co Rd 517, Sparta, NJ 07871
(973) 381-9146
richsum.com
Trusted Insurance Agency
270 S Sparta Ave, Sparta, NJ 07871
(973) 315-7046
Top Point Insurance Agency
7 Boardwalk, Sparta, NJ 07871
(973) 381-9771
Spradling Guy
191 Woodport Rd #110, Sparta, NJ 07871
(973) 726-9455
Sweeney, Richards & Summers
191 Woodport Rd, Sparta, NJ 07871
(973) 627-0100
richsum.com
Allstate Financial Services - James Sharabba
191 Woodport Rd, Sparta, NJ 07871
(973) 729-8644
agents.allstate.com
Booth Associates LLC
295 E Shore Trail, Sparta, NJ 07871
(570) 856-8163
boothassociatesllc.com
Umbrella insurance provides an extra layer of liability protection beyond your standard auto and homeowners policies. For Sparta residents, this coverage is especially valuable given New Jersey's high cost of living and litigation environment. A local agent can help you assess your risk exposure and secure a policy that meets New Jersey's minimum requirements while safeguarding your savings and future earnings.
What Does a Umbrella Insurance Agent in Sparta Cost?
The cost of a one million dollar umbrella policy in New Jersey typically ranges from 150 to 300 dollars per year. Factors affecting the premium include your driving record, number of properties, and the underlying coverage limits. Higher coverage amounts, such as two million or five million dollars, will cost more but still remain relatively affordable. 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 policy cover in New Jersey?
Umbrella insurance covers liability claims that exceed the limits of your underlying auto or homeowners insurance. In New Jersey, it can also cover legal defense costs for certain personal injury lawsuits. It typically does not cover your own property damage or intentional acts.
How much umbrella insurance do I need in Sparta?
Most agents recommend at least one million dollars in coverage, but your specific needs depend on your assets and income. New Jersey law requires underlying auto liability limits of at least 250,000 per person and 500,000 per accident for umbrella eligibility. A local agent can help you calculate the right amount based on your home value, savings, and future earnings.
Can I bundle umbrella insurance with my home and auto policies in New Jersey?
Yes, many insurance companies in New Jersey offer discounts when you bundle umbrella insurance with your home and auto policies. Bundling can simplify billing and ensure consistent coverage across all policies. Check with your Sparta agent for available multi-policy discounts.
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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.