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Browse umbrella insurance agents serving Amherst, New York. Contact information and addresses listed below.
9 agents listed
Updated May 2026
Amherst, NY
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 York before hiring.
Showing 9 umbrella insurance agents in Amherst, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Elmwood Agency
90 Bryant Woods S #100, Amherst, NY 14228
(716) 206-3706
elmwoodagency.com
Butterson Agency, Inc
586 N French Rd # 4, Amherst, NY 14228
(716) 636-8815
buttersonagency.com
Donald L. Houck Agency, Inc.
1940 Eggert Rd, Amherst, NY 14226
(716) 835-2525
houckins.com
Arrow Insurance LLC
3622-3636 Sheridan Dr, Amherst, NY 14226
(716) 351-4481
All star Insurance Co.
2066 Eggert Rd Ste 2, Amherst, NY 14226
(716) 567-8256
allstate.com
Starlight Insurance NY
656 Millersport Hwy, Amherst, NY 14226
(716) 344-8529
Gimeli Hanna Insurance Agency
215 Kings Hwy, Amherst, NY 14226
(716) 998-8479
gimelihannainsuranceagency.com
The Mezzio Agency
606 N French Rd #1, Amherst, NY 14228
(716) 710-7270
themezzioagency.com
NAC Insurance Agency
2277 Niagara Falls Blvd, Amherst, NY 14228
(716) 235-5910
nacinsuranceagency.com
Umbrella insurance provides an extra layer of liability protection above your auto, home, or boat insurance policies. In Amherst, New York, this coverage is especially valuable given the high property values and potential for lawsuits in the Buffalo area. An agent can help you secure a policy that meets New York state minimum requirements while extending your coverage limits.
What Does a Umbrella Insurance Agent in Amherst Cost?
Umbrella insurance in New York typically costs between 150 and 300 dollars per year for 1 million dollars of coverage. Higher limits, such as 2 million dollars, may cost 250 to 500 dollars annually. Costs vary based on your underlying policies, claims history, and location within Amherst. 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 umbrella insurance cover in Amherst, New York?
Umbrella insurance covers personal liability claims such as bodily injury, property damage, and certain lawsuits. In New York, it typically starts after your underlying auto or home policy limits are exhausted, providing additional protection up to your chosen limit.
How much umbrella insurance do I need in Amherst?
The amount depends on your net worth and risk exposure. Many New York agents recommend at least 1 million dollars in coverage. High-income individuals or those with rental properties may need 2 to 5 million dollars for adequate protection.
Can I get umbrella insurance if I have a swimming pool or dog in Amherst?
Yes, but you must disclose these risks to your agent. New York law requires full disclosure of potential hazards. Your agent can help you find a carrier that covers pools, trampolines, or certain dog breeds without excluding liability.
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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 York.