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Compare Umbrella Insurance Agents in Port Jefferson, NY
Compare umbrella insurance agents in Port Jefferson. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Port Jefferson, 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 4 umbrella insurance agents in Port Jefferson, 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.
Joseph P. O'Neill Agency, Inc.: Allstate Insurance
38 Sheep Pasture Rd, Port Jefferson, NY 11777
(631) 425-9700
agents.allstate.com
Brookhaven Agency
100 Oakland Ave #1, Port Jefferson, NY 11777
(631) 941-4113
brookhavenagency.com
Goosehead Insurance - Don Pawluk
1303 Main St, Port Jefferson, NY 11777
(631) 393-2775
goosehead.com
Maiella Associates, Inc
803 Main St, Port Jefferson, NY 11777
(631) 331-2525
maiellainc.com
Umbrella insurance agents in Port Jefferson help residents secure additional liability coverage beyond standard home and auto policies. New York law requires minimum liability limits of 25,000 for bodily injury per person and 50,000 per accident for auto insurance, but an umbrella policy can provide 1 million or more in extra protection. Local agents guide clients through the process of assessing risk and selecting appropriate coverage limits.
What Does a Umbrella Insurance Agent in Port Jefferson Cost?
In New York, umbrella insurance typically costs between 150 and 500 per year for 1 million in coverage, with additional 1 million increments costing 75 to 150 each. Costs vary based on your risk profile, number of properties, and driving record. 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 Port Jefferson do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding your primary insurance limits. They assess your assets, driving history, and property risks to recommend suitable coverage. In New York, umbrella policies often require underlying auto and home insurance with specific minimum limits.
How much umbrella insurance do I need in New York?
The amount of umbrella insurance you need depends on your assets and income. Many experts suggest coverage equal to your net worth plus future earnings. In New York, where property values and lawsuit awards can be high, policies of 1 million to 5 million are common.
Can I get umbrella insurance if I have a poor driving record in New York?
Yes, but your options may be limited. New York insurers typically require a clean driving record for umbrella policies, but some agents can find carriers that accept drivers with minor violations. You may pay higher premiums or need to meet higher underlying liability limits.
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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.