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Find Umbrella Insurance Agents Near You in Albany, NY

Browse umbrella insurance agents serving Albany, New York. Updated 2026-07-14.

The top-rated umbrella insurance agent in Albany, New York is Capital Gate Insurance Group, rated 4.9 stars across 210 reviews. Other highly rated options include MetzWood Insurance, Rick Schrade - GEICO Insurance Agent, Brick House Insurance Agency. This directory lists 22 umbrella insurance agents serving Albany.

Showing 22 umbrella insurance agents in Albany, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Capital Gate Insurance Group1843 Central Ave(518) 389-2610
2MetzWood Insurance300 Great Oaks Blvd Suite 300(518) 392-5161
3Rick Schrade - GEICO Insurance Agent1761 Central Ave(518) 389-4060
4Brick House Insurance Agency150 State St Fourth Floor(518) 412-4244
5WYNN Insurance Brokerage LLC5 Homestead Ave(518) 380-1968
6Ten Eyck Group1924 Western Ave(518) 464-0059
7Toedt Insurance Agency LLC17 Wendell Dr(518) 438-8154
8Twin Bridges Insurance Agency, Inc.1881 Western Ave #210(518) 608-5797
9J. Mullen & Associates, LLC - Senior Healthcare Advisors292 Washington Ave Ext Suite 111-D(518) 491-7663
10HMS Agency, Inc.454 Sand Creek Rd(518) 690-0360
CG
1843 Central Ave
Capital Gate Insurance Group
Umbrella Insurance Agent · Albany, NY

Capital Gate Insurance Group, located in Albany, NY, provides umbrella insurance services designed to extend liability coverage beyond standard policy limits. Its service plans include policy review and adjustments to align with clients’ personal and commercial liability exposures. Maintenance plans involve regular account monitoring to ensure coverage matches changing asset or risk levels. The agency serves properties ranging from single-family homes and apartment complexes to retail spaces and restaurants.

MI
300 Great Oaks Blvd Suite 300
MetzWood Insurance
Umbrella Insurance Agent · Albany, NY

MetzWood Insurance serves homeowners, businesses, and property managers in Albany, New York, by arranging umbrella insurance policies that provide extra liability coverage beyond standard home or auto policies. These policies help protect assets from major claims or lawsuits. The agency works with clients to identify appropriate coverage limits based on their property holdings and risk profile. It also offers guidance on how umbrella policies interact with underlying insurance. MetzWood Insurance extends its services to residents and commercial clients in neighboring communities throughout the Capital District, including Colonie.

RS
1761 Central Ave
Rick Schrade - GEICO Insurance Agent
Umbrella Insurance Agent · Albany, NY

Rick Schrade - GEICO Insurance Agent serves the Albany, New York, metro area, offering umbrella insurance coverage to local residents and businesses. Umbrella policies provide an extra layer of liability protection beyond standard homeowners or auto policies. The agency helps clients assess their risk exposure to determine appropriate coverage limits. Customers can secure financial safeguards against large claims or lawsuits. Specific services handled in this area include personal umbrella policies for individual households and commercial umbrella coverage for small businesses.

BH
150 State St Fourth Floor
Brick House Insurance Agency
Umbrella Insurance Agent · Albany, NY

Serving Albany, New York, and its surrounding communities, Brick House Insurance Agency handles umbrella insurance policies that extend liability coverage beyond standard home and auto limits. This local agent helps clients protect assets from major claims and lawsuits. For each client, it reviews existing underlying policies to identify coverage gaps, then tailors a broader layer of protection. The agency typically conducts a thorough personal risk assessment to determine the appropriate coverage amount for each household's unique needs.

WI
5 Homestead Ave
WYNN Insurance Brokerage LLC
Umbrella Insurance Agent · Albany, NY

WYNN Insurance Brokerage LLC in Albany, NY offers both one-time policy placements and ongoing renewal management for umbrella insurance, tailoring each approach to a client’s situation. This coverage extends liability protection beyond standard home and auto policies, safeguarding assets against major claims or lawsuits. The company assists local residents in navigating the specific liability exposures common in the area, helping to secure appropriate limits from various carriers. Service runs strictly on an as-needed basis, allowing clients to request quotes or adjust coverage whenever their personal circumstances change.

TE
1924 Western Ave
Ten Eyck Group
Umbrella Insurance Agent · Albany, NY

Ten Eyck Group provides umbrella insurance agency services in Albany, NY, offering extended liability coverage that exceeds standard policy limits. Its general work involves helping clients protect personal assets from major claims or lawsuits. The agency assists local homeowners, auto owners, and renters in securing supplemental protection against unexpected financial risks. During late fall and early winter, it helps clients prepare for increased liability exposure from holiday gatherings, winter weather hazards on icy walkways, and seasonal travel, ensuring comprehensive coverage is in place.

TI
17 Wendell Dr
Toedt Insurance Agency LLC
Umbrella Insurance Agent · Albany, NY

As winter weather in Albany, NY, brings ice and snow that can lead to slip-and-fall claims, local homeowners often seek an extra shield for their assets. Toedt Insurance Agency LLC positions itself as an umbrella insurance agent ready to layer additional liability coverage beyond standard policies. Operating right in the capital region, the firm assists clients in assessing personal risks from car accidents to dog bites on a walk. An initial consultation begins with a review of existing home and auto limits to identify a suitable starting point.

TB
1881 Western Ave #210
Twin Bridges Insurance Agency, Inc.
Umbrella Insurance Agent · Albany, NY

Serving residences in the Albany area, Twin Bridges Insurance Agency, Inc. provides umbrella liability coverage that extends beyond standard homeowners and auto policies. Commercial umbrella insurance is also available for local businesses seeking extra protection against major claims. Following an initial policy setup, the agency assists clients with coverage reviews and updates to keep limits aligned with changing assets. After a claim or policy renewal, this agent routinely follows up to ensure all needs are met between regular scheduled visits.

JM
292 Washington Ave Ext Suite 111-D
J. Mullen & Associates, LLC - Senior Healthcare Advisors
Umbrella Insurance Agent · Albany, NY
HA
454 Sand Creek Rd
HMS Agency, Inc.
Umbrella Insurance Agent · Albany, NY

HMS Agency, Inc. is an umbrella insurance agent based in Albany, NY. The firm helps local residents and business owners obtain liability coverage that extends beyond the limits of standard home and auto policies. This service protects clients from costly lawsuits and major property claims that could otherwise exceed primary insurance caps. Agents assess individual risk factors to recommend appropriate coverage levels. The company also assists with adding personal liability coverage for high-value assets or recreational equipment such as boats.

PI
13 Airline Dr
Pearl Insurance
Umbrella Insurance Agent · Albany, NY
(518) 640-8100
cseainsurance.com
AI
120 Broadway
Aurora, Inc.
Umbrella Insurance Agent · Albany, NY
(518) 449-3180
aurorainsurance.com
LI
8 Computer Dr S
LiveWell Insurance NY
Umbrella Insurance Agent · Albany, NY
(518) 360-1216
benefitchoicesny.com
TI
150 State St
Trusted Insurance Co NY
Umbrella Insurance Agent · Albany, NY
(315) 227-3323
ER
1535 Central Ave
Empire Region Insurance Agency
Umbrella Insurance Agent · Albany, NY
(518) 389-2455
empireregioninsurance.com
HR
381 Sand Creek Rd
Hamlin, Robert & Ridgeway, Ltd.
Umbrella Insurance Agent · Albany, NY
(518) 458-7777
hamlinrobert.com
BA
2022 Western Ave Second Floor, Suite 4
The Bradley Agency
Umbrella Insurance Agent · Albany, NY
(518) 452-2736
bradleyagency.com
SB
14 Columbia Cir Suite 204
Smith Brothers Insurance
Umbrella Insurance Agent · Albany, NY
(518) 477-5150
smithbrothersusa.com
MI
4 Corporate Cir
Milliman Insurance
Umbrella Insurance Agent · Albany, NY
(518) 519-8583
milliman.com
GA
1807 Western Ave
Guilderland Agency Inc
Umbrella Insurance Agent · Albany, NY
(518) 456-6688
murraygrp.com
TE
1924 Western Ave
Ten Eyck Insuring Agency Inc: Brassard Christopher
Umbrella Insurance Agent · Albany, NY
(518) 464-0059
teneyckgroup.com
CA
300 Great Oaks Blvd Suite 300
The Curtin Agency
Umbrella Insurance Agent · Albany, NY
(518) 478-6393
thecurtinagency.com

What Does an a Umbrella Insurance Agent in Albany Cost?

The cost of an umbrella insurance policy in New York typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Premiums increase with higher coverage limits, often adding 75 to 150 dollars per additional million. Factors such as your driving record, number of properties, and claims history affect the price. This is general information, not insurance advice.

About umbrella insurance agents in Albany

Umbrella insurance provides an extra layer of liability protection beyond your auto, home, or boat policies. In Albany, New York, agents can help you secure coverage that kicks in when your primary policy limits are exhausted. New York law does not mandate umbrella insurance, but it is a prudent choice for those with significant assets or high-risk activities.

Frequently Asked Questions

What does an umbrella insurance agent in Albany do?

An umbrella insurance agent in Albany helps you assess your liability risks and obtain a policy that provides additional coverage above your existing insurance limits. They can explain how umbrella insurance interacts with New York state minimum auto liability requirements.

How much umbrella coverage do I need in New York?

Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your assets and potential liabilities. New York courts can award large judgments, so higher limits may be wise for high-net-worth individuals.

Can I get umbrella insurance if I have a rental property in Albany?

Yes, umbrella insurance can cover liability claims related to rental properties you own. In New York, landlords face specific risks such as slip-and-fall accidents, and umbrella policies can provide extra protection beyond a standard landlord policy.

Umbrella Insurance Agents in Other New York Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.