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Find Umbrella Insurance Agents in Niagara Falls, NY
Directory of umbrella insurance agents in Niagara Falls, New York. Verify credentials with the state department of insurance before hiring.
15 agents listed
Updated May 2026
Niagara Falls, 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 15 umbrella insurance agents in Niagara Falls, 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.
Allison Crowley - State Farm Insurance Agent
6928 Williams Rd Suite 3, Niagara Falls, NY 14304
(716) 283-9100
crowleyagent.com
Laura Capizzi - State Farm Insurance Agent
2768 Niagara Falls Blvd, Niagara Falls, NY 14304
(716) 694-3404
lauracapizzi.com
Keller Insurance
2706 Pine Ave, Niagara Falls, NY 14301
(716) 395-7006
insureone.com
Laura Capizzi - State Farm Insurance Agent
2201 Pine Ave, Niagara Falls, NY 14301
(716) 282-5253
lauracapizzinf.com
Willoughby Insurance
2244 Pine Ave, Niagara Falls, NY 14301
(716) 285-5088
willoughbyinsurance.com
Stephanie Neal - State Farm Insurance Agent
2908 Military Rd, Niagara Falls, NY 14304
(716) 297-5566
stephanieneal.us
Andrew Clemen: Allstate Insurance
10065 Niagara Falls Blvd Suite 1, Niagara Falls, NY 14304
(716) 692-7405
agents.allstate.com
Joel Holka Insurance
8575 Niagara Falls Blvd, Niagara Falls, NY 14304
(716) 298-7540
Eugeni Insurance Agency Inc.
3003 Pine Ave, Niagara Falls, NY 14301
(716) 285-3491
Bruce Lucsok Agency, Inc.
6928 Williams Rd, Niagara Falls, NY 14304
(716) 298-1882
erieinsurance.com
Aswad Insurance Agency
7703 Niagara Falls Blvd, Niagara Falls, NY 14304
(716) 283-9333
aswadagency.com
William Davis Insurance
10335 Lockport Rd, Niagara Falls, NY 14304
(716) 297-2092
XNZ Insurance Agency Inc
8701 Buffalo Ave, Niagara Falls, NY 14304
(716) 299-0027
De Rosa & De Rosa
663 Main St, Niagara Falls, NY 14301
(716) 284-0225
Nationwide Insurance: Insureone Insurance Services America LLC
2706 Pine Ave, Niagara Falls, NY 14301
(716) 284-0408
insureone.com
An umbrella insurance agent in Niagara Falls New York helps you secure additional liability coverage beyond your home and auto policies. New York law requires minimum auto liability limits but umbrella policies offer an extra layer of protection for assets. Local agents understand the specific risks for Niagara Falls residents including proximity to the Niagara River and tourist areas.
What Does a Umbrella Insurance Agent in Niagara Falls 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. Higher limits of 2 to 5 million dollars may cost 300 to 1000 dollars annually. Premiums vary based on your number of properties vehicles and personal risk factors. 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 Niagara Falls do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding your standard home and auto coverage. In New York these policies typically start at 1 million dollars in coverage. The agent assesses your assets and risk profile to recommend appropriate limits.
Do I need umbrella insurance in New York?
Umbrella insurance is not required by New York law but it is highly recommended if you have significant assets or face higher liability risks. New York courts can award large judgments in personal injury cases. A local agent can help you evaluate your exposure based on your property value and lifestyle.
How does New York law affect umbrella insurance coverage?
New York requires minimum liability coverage of 25000 dollars for bodily injury per person and 50000 dollars per accident for auto insurance. An umbrella policy provides excess coverage above these minimums. New York also follows a comparative negligence rule which can affect claim payouts and your policy limits.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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.