The top-rated umbrella insurance agent in Wayne, New Jersey is Maria Alawi - State Farm Insurance Agent, rated 4.9 stars across 353 reviews. Other highly rated options include Cajilema & Simpson Insurance Solutions, Goosehead Insurance - Verdi Kaba, Wayne Insurance Team. This directory lists 11 umbrella insurance agents serving Wayne.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Maria Alawi - State Farm Insurance Agent | 789 Hamburg Tpke | (862) 221-9707 |
| 2 | Cajilema & Simpson Insurance Solutions | 600 Valley Rd suite 208 | (201) 707-7499 |
| 3 | Goosehead Insurance - Verdi Kaba | 1401 Valley Rd | (973) 777-3411 |
| 4 | Wayne Insurance Team | 23 Willowbrook Blvd | (732) 426-3554 |
| 5 | John T Costa Agency | 2025 Hamburg Tpke STE J | (973) 835-8444 |
| 6 | Premier Benefit Services | 28 Nimitz Rd | (973) 628-0694 |
| 7 | Reynier Aparicio: Allstate Insurance | 500 Valley Rd #105 | (973) 633-5500 |
| 8 | Crown Insurance Agency | 1 Hamburg Tpke | (862) 377-0770 |
| 9 | Coe Group | 1044 NJ-23 Ste 311 | (973) 628-0800 |
| 10 | Bakelaar Financial Group LLC | 600 Valley Rd #207 | (973) 832-7077 |
Maria Alawi - State Farm Insurance Agent serves the Wayne, New Jersey area and the greater Passaic County region as an umbrella insurance agent. Umbrella insurance provides extra liability coverage beyond standard home or auto policies, protecting personal assets from major claims or lawsuits. This agency helps local residents assess their risk exposure and secure added financial protection. The office handles coverage evaluation and policy customization for high-net-worth individuals and families seeking additional personal liability safeguards.
Cajilema & Simpson Insurance Solutions provides umbrella insurance agent services to clients throughout Wayne, New Jersey. It assists individuals and businesses in securing additional liability coverage that extends beyond standard policy limits. The firm helps evaluate existing coverage to identify potential gaps and offers guidance on appropriate policy options. Its ongoing services include periodic policy reviews to adjust coverage as clients’ needs evolve. The company maintains regular communication with clients to ensure all plans remain current and relevant. It services a variety of properties, including single-family homes, apartments, retail locations, and restaurants.
Goosehead Insurance - Verdi Kaba serves Wayne homeowners, businesses, and property managers seeking general liability coverage beyond standard policies. The agency specializes in umbrella insurance, which adds an extra layer of protection for major claims or lawsuits exceeding primary policy limits. This coverage is essential for shielding assets like homes, rental properties, and business operations. Clients benefit from professional guidance in assessing risk and selecting appropriate coverage limits. The agency also serves neighboring communities throughout Passaic County and extends its services across the greater northern New Jersey metro area.
Wayne Insurance Team serves clients in Wayne and the surrounding communities of northern New Jersey. As an umbrella insurance agent, the company handles liability policies that provide additional coverage beyond standard home and auto limits. This extra layer protects policyholders from major claims and lawsuits that could otherwise threaten personal assets. The team assesses each client’s existing coverage, evaluates potential exposure from accidents or property incidents, and selects appropriate umbrella limits to fill key gaps in protection, matching policy options to individual risk profiles.
John T Costa Agency offers both one-time and recurring service options for those seeking umbrella insurance in Wayne, New Jersey. Their coverage provides an extra layer of liability protection beyond standard auto, homeowners, or watercraft policies, safeguarding assets against major claims. This additional policy can be tailored to individual risk exposure. Service runs on an as-needed basis, with clients scheduling a policy review when their personal or financial situation changes or an umbrella policy is first required.
Premier Benefit Services in Wayne, NJ specializes in offering umbrella insurance agent services that provide extra liability coverage beyond standard policies. The agency works with clients to assess personal risk and secure protection against major claims or lawsuits. Beyond this core work, it helps local residents and businesses review their current insurance needs and find appropriate policies. During the heavy snowfall season in northern New Jersey, the company assists property owners in understanding how umbrella coverage can protect against liability from icy sidewalk or driveway accidents.
As the autumn leaves begin to fall in Wayne, residents often worry about hidden liabilities from slip-and-fall accidents on their property. Reynier Aparicio: Allstate Insurance provides umbrella insurance coverage tailored to these local homeowner concerns. This specific policy layer extends beyond standard home or auto limits, protecting assets against major claims. The agent guides clients through a straightforward initial interview to assess individual exposure levels. A thorough review of existing policies and property specifics then follows to recommend appropriate coverage thresholds for the area.
Crown Insurance Agency in Wayne, New Jersey, provides liability management solutions that help protect policyholders from major financial claims. Its umbrella insurance agent services offer supplemental coverage that extends beyond standard policy limits, safeguarding personal and commercial assets against large-scale liability exposure. The agency serves a variety of business sectors, including professional offices, industrial warehouses, and food service establishments, tailoring its additional liability layers to fit the distinct operational risks of each client.
Coe Group provides umbrella insurance services to residential clients in Wayne, New Jersey, helping them secure additional liability coverage beyond standard home policies. The agency also assists local commercial clients in the area with extended protection against large claims. Their team work throughout the region to assess individual risk profiles and tailor coverage limits accordingly. Clients often follow up between regular visits to adjust policies as their assets or circumstances change, ensuring continued suitability of their insurance solutions.
Bakelaar Financial Group LLC in Wayne, NJ, is known for offering umbrella insurance policies that provide an extra layer of liability coverage beyond standard home and auto limits. This helps safeguard local residents against major claims and lawsuits that could otherwise threaten personal assets. The firm serves individuals and families seeking broader financial protection. For clients with substantial assets, the agent can structure a higher-limit umbrella policy to cover risks like rental properties or recreational vehicles.
What Does an a Umbrella Insurance Agent in Wayne Cost?
The cost of an umbrella insurance policy in New Jersey generally ranges from 150 to 400 dollars annually for 1 million dollars in coverage. Higher limits of 2 million or 5 million dollars will cost more, typically 200 to 800 dollars per year. Your premium depends on factors like your driving record, home value, and number of properties. This is general information and not insurance advice.
About umbrella insurance agents in Wayne
An umbrella insurance agent in Wayne New Jersey can help you secure extra liability coverage beyond your auto or home policy. New Jersey law requires minimum auto liability limits, but umbrella policies provide an additional layer for major claims. Agents in Wayne serve clients across Passaic County with tailored protection for assets and future earnings.
Frequently Asked Questions
What does an umbrella insurance agent in Wayne do?
An umbrella insurance agent in Wayne helps you purchase a personal umbrella policy that covers liability claims exceeding your primary insurance limits. The agent reviews your existing auto and home policies to determine the right amount of extra coverage. This is important in New Jersey where lawsuits can exceed standard policy limits.
What are the minimum coverage requirements for an umbrella policy in New Jersey?
New Jersey does not set a specific minimum for umbrella policies, but most insurers require underlying auto liability of at least 250,000 per person and 500,000 per accident. For homeowners insurance, liability coverage of 300,000 is common. An agent in Wayne can confirm the exact requirements for your situation.
How much does an umbrella insurance policy cost in Wayne New Jersey?
A typical personal umbrella policy in New Jersey costs between 150 and 400 per year for 1 million dollars of coverage. Costs vary based on your risk profile, number of vehicles, and property value. An agent in Wayne can provide a personalized quote after reviewing your existing policies.
Umbrella Insurance Agents in Other New Jersey Cities
Bayonne · Bloomfield · Brick Township · Cherry Hill Township · Clifton · Cranford · East Brunswick · Edison · Elizabeth · Fair Lawn · Fort Lee · Hackensack · Hamilton Township · Iselin · Jackson Township