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Browse umbrella insurance agents serving Toms River, New Jersey. Contact information and addresses listed below.
18 agents listed
Updated May 2026
Toms River, 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 18 umbrella insurance agents in Toms River, 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.
NJ Life and Health Insurance Group, LLC
10 Allen St STE 4A, Toms River, NJ 08753
(848) 226-6897
njlifeandhealth.com
Steve Meehan - State Farm Insurance Agent
617 NJ-37, Toms River, NJ 08755
(732) 473-0100
stevemeehan.com
Dolly Wasielewski: Allstate Insurance
229 Washington St, Toms River, NJ 08753
(732) 557-6200
agents.allstate.com
Aaron Friedman: Allstate Insurance
147 NJ-70 Ste 4, Toms River, NJ 08755
(732) 901-7719
agents.allstate.com
Arocho Insurance Agency
730 Jamaica Blvd, Toms River, NJ 08757
(732) 877-7680
arochoinsurance.com
BHI Insurance
240 Main St, Toms River, NJ 08753
(732) 349-2300
bhi-insurance.net
Best insurance Toms River
231 Main St, Toms River, NJ 08753
(732) 201-8633
Alejandra Roman Professional Services
911 Charles Dr Ste 6, Toms River, NJ 08753
(848) 480-7628
alejaroman.com
PNA Insurance Services Inc
104 Mt Ln, Toms River, NJ 08753
(908) 502-7585
Nexus Insurance NJ
1413 Hooper Ave, Toms River, NJ 08753
(848) 200-0791
Infinity Insurance NJ
31 Thomas St, Toms River, NJ 08753
(732) 338-8318
AAA Toms River - Insurance/Membership Only
984 NJ-166 Suite 5A, Toms River, NJ 08753
(732) 551-4700
cluballiance.aaa.com
AIC Insurance Agency
100 NJ-37, Toms River, NJ 08753
(732) 286-5100
aicinsurance.biz
Colonial Insurance Associates
984 Lakewood Rd Ste 5, Toms River, NJ 08753
(732) 349-6257
Mesanko Insurance Agency
1163 Washington St, Toms River, NJ 08753
(732) 505-0057
Priority Insurance Agency, LLC
17 NJ-37, Toms River, NJ 08753
(732) 244-4077
priorityinsure.com
Senior
3 Plaza Dr, Toms River, NJ 08757
(856) 280-9266
Capacity Insurance Toms River
820 N Main St, Toms River, NJ 08753
(732) 201-5048
An umbrella insurance agent in Toms River, New Jersey helps residents secure extra liability coverage beyond standard auto and home policies. New Jersey law requires minimum auto liability limits, but umbrella policies offer additional protection for assets and future earnings. Agents in Ocean County can guide you through coverage options tailored to local risks and your personal situation.
What Does a Umbrella Insurance Agent in Toms River Cost?
In New Jersey, a one million dollar umbrella insurance policy typically costs between 150 and 300 dollars per year. Premiums may be higher for policies with two million or more in coverage or for individuals with multiple properties or high-risk exposures. Costs vary by carrier, your claims history, and the underlying insurance limits. 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 Toms River do?
An umbrella insurance agent in Toms River helps you purchase a personal liability policy that provides coverage above your existing home and auto insurance limits. They assess your assets and risks to recommend appropriate coverage amounts.
Do I need umbrella insurance in New Jersey?
Umbrella insurance is not required by New Jersey law, but it is recommended if you have significant assets or face higher liability risks. New Jersey courts can award large judgments, and umbrella coverage helps protect your savings and future income.
How much umbrella coverage should I get in Toms River?
Most agents recommend at least one million dollars in umbrella coverage, with higher limits for those with substantial assets or high-risk activities. Your agent can help you determine the right amount based on your net worth and lifestyle.
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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.