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Compare Umbrella Insurance Agents in Guilderland, NY
Compare umbrella insurance agents in Guilderland. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Guilderland, 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 3 umbrella insurance agents in Guilderland, 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.
Jen Dolan - State Farm Insurance Agent
5 New Karner Rd, Guilderland, NY 12084
(518) 456-2910
jendolaninsurance.com
Tim Berryhill: Allstate Insurance
2301 Western Ave, Guilderland, NY 12084
(518) 456-8643
agents.allstate.com
2001 Central Insurance Agency
2390 Western Ave, Guilderland, NY 12084
(518) 395-2001
2001cia.com
Umbrella insurance agents in Guilderland, New York help residents secure extra liability coverage beyond standard home and auto policies. This type of policy is especially relevant in New York, where high property values and dense population can lead to larger lawsuit settlements. A local agent can guide you through New York insurance regulations and find a policy that fits your specific needs.
What Does a Umbrella Insurance Agent in Guilderland Cost?
In New York, a 1 million dollar personal umbrella policy typically costs between 150 and 300 dollars per year. For 2 million dollars in coverage, the annual premium often ranges from 250 to 500 dollars. Costs vary based on your driving record, home value, and number of properties. 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 Guilderland do?
An umbrella insurance agent helps you evaluate your current liability risks and purchase a personal umbrella policy. They explain how the policy provides additional coverage above your auto and homeowners insurance limits. In New York, agents must be licensed by the state Department of Financial Services.
How much umbrella coverage should I get in Guilderland?
Most New York agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your assets and risk factors. Factors include home value, number of vehicles, and whether you have a pool or own rental property. An agent can run a risk assessment to suggest an appropriate limit.
Are there New York laws that affect umbrella insurance?
Yes, New York requires all drivers to carry minimum liability insurance, but umbrella policies are optional. New York courts generally allow larger judgments due to high cost of living and medical expenses. An umbrella policy can protect your assets if you are sued for an amount exceeding your primary policy limits.
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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.