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Find Umbrella Insurance Agents Near You in Rochester, NY

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

The top-rated umbrella insurance agent in Rochester, New York is VanScoter Insurance Agency LLC, rated 5.0 stars across 438 reviews. Other highly rated options include Elmwood Agency, Quinton Insurance, Freeway Insurance. This directory lists 47 umbrella insurance agents serving Rochester.

Showing 47 umbrella insurance agents in Rochester, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1VanScoter Insurance Agency LLC1577 W Ridge Rd Suite 218(585) 663-2004
2Elmwood Agency1 Reserve View Blvd(585) 548-4500
3Quinton Insurance2700 Elmwood Ave(585) 244-9004
4Freeway Insurance2199 E Henrietta Rd(585) 283-2053
5FLANAGAN MILLS INSURANCE AGENCY448 Titus Ave(585) 678-8008
6Van C. Travis III, ChFC - State Farm Insurance Agent1978 Monroe Ave(585) 461-5240
7Flour City Insurance Agency1260 Scottsville Rd Suite 202A(585) 861-2002
8Insurance Marketplace Agency150 Allens Creek Rd Suite 220(585) 482-9980
9InsuranceTrak Services4515 Culver Rd # 206(585) 282-0934
10Ferris Insurance Agency2314 Lyell Ave(585) 254-7440
VI
1577 W Ridge Rd Suite 218
VanScoter Insurance Agency LLC
Umbrella Insurance Agent · Rochester, NY

As the Lake Ontario snowbelt brings heavy winter weather to Rochester, residents often worry about liability from ice-related slips or tree damage onto a neighbor's property. VanScoter Insurance Agency LLC provides umbrella insurance policies that extend personal liability coverage beyond standard home or auto limits, helping locals protect their savings from large claims. Their process begins by scheduling a consultation to review existing insurance limits and discuss potential risks specific to each Rochester home. An initial assessment is then arranged to confirm adequate baseline coverage before finalizing an umbrella policy.

EA
1 Reserve View Blvd
Elmwood Agency
Umbrella Insurance Agent · Rochester, NY

Elmwood Agency specializes in umbrella insurance, offering extended liability coverage beyond standard policies. It serves clients throughout Rochester, New York, by providing an extra layer of financial protection for homes, vehicles, and personal assets. The agency works with individual policyholders to help bridge coverage gaps and reduce risk from common accidents. As winter snow and ice increase slip-and-fall hazards on local driveways and sidewalks, it assists homeowners with closing these seasonal liability exposure gaps through its umbrella policies.

QI
2700 Elmwood Ave
Quinton Insurance
Umbrella Insurance Agent · Rochester, NY

Quinton Insurance provides general liability coverage for businesses and individuals in Rochester, New York, with a specialty in offering umbrella insurance policies that extend protection beyond standard policy limits. These policies help cover costs from major claims or lawsuits that exceed underlying coverage. The company tailors its services to meet various commercial needs, including office spaces, warehouses, and food service establishments.

FI
2199 E Henrietta Rd
Freeway Insurance
Umbrella Insurance Agent · Rochester, NY

Freeway Insurance specializes in umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. It serves clients throughout Rochester, New York, helping protect their assets from major claims or lawsuits. The agency advises on appropriate coverage levels for personal and financial circumstances. During winter months, when slippery walkways and icy roads in the Rochester area increase the risk of liability incidents, Freeway Insurance can help ensure clients have sufficient protection in place.

FM
448 Titus Ave
FLANAGAN MILLS INSURANCE AGENCY
Umbrella Insurance Agent · Rochester, NY

FLANAGAN MILLS INSURANCE AGENCY, located in Rochester, New York, is known for providing umbrella insurance policies that extend liability coverage beyond standard home and auto limits. The agency serves local individuals and families seeking additional protection against major claims or lawsuits. Its services include advising clients on appropriate coverage levels for asset protection. As a specialty service, the agency can add a personal umbrella policy tailored to cover potential gaps in underlying insurance.

VC
1978 Monroe Ave
Van C. Travis III, ChFC - State Farm Insurance Agent
Umbrella Insurance Agent · Rochester, NY

Van C. Travis III, ChFC - State Farm Insurance Agent in Rochester, New York provides umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Its service includes consultation to assess individual risk exposure and determine appropriate coverage levels. Customized plans protect clients from potential major claims and lawsuits that exceed underlying policy caps. The agent assists with annual policy reviews and claim support as needed. Its insurance protects a range of properties, including single-family homes, apartments, retail spaces, and restaurants.

FC
1260 Scottsville Rd Suite 202A
Flour City Insurance Agency
Umbrella Insurance Agent · Rochester, NY

Flour City Insurance Agency serves Rochester and Monroe County, specializing in umbrella insurance for local residents and businesses. This tier of liability coverage extends protection beyond standard homeowner and auto policies, safeguarding assets against major claims or lawsuits. The agency helps clients assess their personal risk exposure and secure appropriate liability limits for comprehensive financial defense. Specific services include evaluating high-net-worth asset vulnerabilities and arranging excess liability policies that activate when underlying insurance limits are exhausted, ensuring robust coverage for unexpected incidents.

IM
150 Allens Creek Rd Suite 220
Insurance Marketplace Agency
Umbrella Insurance Agent · Rochester, NY

Insurance Marketplace Agency serves Rochester, New York and the surrounding Monroe County communities, handling personal umbrella liability insurance policies that provide extra coverage beyond standard auto and homeowners limits. This type of policy protects clients against large claims and lawsuits that could otherwise exceed the underlying insurance coverage. The agency typically reviews each client's existing liability exposures and underlying policy limits before recommending a suitable amount of supplemental umbrella protection.

IS
4515 Culver Rd # 206
InsuranceTrak Services
Umbrella Insurance Agent · Rochester, NY
FI
2314 Lyell Ave
Ferris Insurance Agency
Umbrella Insurance Agent · Rochester, NY
TC
919 S Winton Rd #210
Twelve Corners Insurance Agency LLC
Umbrella Insurance Agent · Rochester, NY
(585) 789-6488
12cornersinsurance.com
WI
200 Winton Rd
Woodbury Insurance Agency: Allstate Insurance
Umbrella Insurance Agent · Rochester, NY
(585) 288-4901
agents.allstate.com/woodbury-insurance-agency-rochester-ny.html
JS
1200 Jefferson Rd Suite 100-A
Jeffrey Sachs at Comparion Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 670-2993
comparioninsurance.com/insurance-agent/new-york/rochester-0825/jeffreysachs
TC
1200 Jefferson Rd Suite 100-A
Toni Conner at Comparion Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 613-3092
comparioninsurance.com/insurance-agent/new-york/rochester-0825/toni-conner
RG
1100 Long Pond Rd Suite 100
Rochester Group Inc
Umbrella Insurance Agent · Rochester, NY
(585) 794-5640
rochestergroupinc.com
EP
1200 Jefferson Rd Suite 100-A
Elana Parks at Comparion Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 512-1574
comparioninsurance.com/insurance-agent/new-york/rochester-0825/elana-parks
VA
849 Paul Rd Ste 220
Vail Agency
Umbrella Insurance Agent · Rochester, NY
(585) 889-4650
vail-insurance.com
PI
1815 S Clinton Ave Building 400 Suite 435
Paradigm Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 623-1550
paradigmnyinsurance.com/index.html#hero
AG
2589 W Ridge Rd
AAA - Greece
Umbrella Insurance Agent · Rochester, NY
(585) 227-9600
westerncentralny.aaa.com/locations/greece
PH
1200 Jefferson Rd Suite 100-A
Peter Harris at Comparion Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 613-3885
comparioninsurance.com/insurance-agent/new-york/rochester-0825/peterharris
BA
333 Metro Park Suite S202
The Belmont Agency Insurance
Umbrella Insurance Agent · Rochester, NY
(585) 571-7006
belmontagencyllc.com
MI
1619 East Ridge Road
Mazzola Insurance
Umbrella Insurance Agent · Rochester, NY
(585) 266-7130
mazzolainsurance.org
GL
2199 E Henrietta Rd #1
George Larry - State Farm Insurance Agent
Umbrella Insurance Agent · Rochester, NY
(585) 334-0150
georgelarry.com
RI
4424 Lyell Rd
Ridgecrest Insurance Agency LLC
Umbrella Insurance Agent · Rochester, NY
(585) 287-5490
erieinsurance.com/agencies/nn2708
CI
1200 Jefferson Rd Suite 100-A
Comparion Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 424-6050
comparioninsurance.com/insurance-agent/new-york/rochester-0825
DG
1200 Jefferson Rd Suite 100-A
Darren Guido at Comparion Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 613-3884
comparioninsurance.com/insurance-agent/new-york/rochester-0825/darrenguido
BM
1200 Jefferson Rd Suite 100-A
Brian Mulligan at Comparion Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 670-2990
comparioninsurance.com/insurance-agent/new-york/rochester-0825/brianmulligan
BS
1200 Jefferson Rd Suite 100-A
Brent Seewald at Comparion Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 670-2994
comparioninsurance.com/insurance-agent/new-york/rochester-0825/brentseewald
TA
1880 East Ridge Road Uppr 5
Trovato Associates
Umbrella Insurance Agent · Rochester, NY
(585) 563-6553
trovatoassociates.com
CA
1819 East Ridge Road
Consolidated Agency, Inc.
Umbrella Insurance Agent · Rochester, NY
(585) 467-4110
consolidatedagencyinc.com
BR
4072 W Henrietta Rd
Beth Rogers Agency
Umbrella Insurance Agent · Rochester, NY
(585) 321-0015
bethrogersagency.com
NI
1100 Long Pond Rd Suite 200
Nationwide Insurance: Ryan Ferraro Agency Inc
Umbrella Insurance Agent · Rochester, NY
(585) 663-1810
ferraroinsurance.com
EO
2450 W Ridge Rd Suite 307
Empire One Insurance Consultants
Umbrella Insurance Agent · Rochester, NY
(585) 433-0000
empireoneinsuranceconsultants.com
SG
3445 Winton Pl #109
The Schultz Group of NY
Umbrella Insurance Agent · Rochester, NY
(585) 424-1780
schultzgroupofny.com
WI
155 Culver Rd #200
Walsh Insurance
Umbrella Insurance Agent · Rochester, NY
(585) 586-8000
walshduffield.com
BI
69 Empire Blvd
Bobby Insurance Agency, Inc.
Umbrella Insurance Agent · Rochester, NY
(585) 288-2741
UI
1134 Titus Ave
Urbanski Insurance Inc
Umbrella Insurance Agent · Rochester, NY
(585) 467-1129
mercuryinsurance.com/agents/new-york/urbanski-insurance-311106.html
BA
2020 W Ridge Rd
BTMM Adivsors
Umbrella Insurance Agent · Rochester, NY
(585) 233-6353
agents.allstate.com/michele-marciano-rochester-ny.html
OS
1400 Portland Ave Ste. 24
ortolani services inc
Umbrella Insurance Agent · Rochester, NY
(585) 242-9749
ortservices.com
FI
550 Latona Rd Bldg D-422
Farmers Insurance - Thomas Stefanini
Umbrella Insurance Agent · Rochester, NY
(585) 467-8733
agents.farmers.com/ny/rochester/thomas-stefanini
PI
3255 Brighton Henrietta Town Line Rd
Pinnacle Insurance Agency Inc.
Umbrella Insurance Agent · Rochester, NY
(585) 235-6070
pinnacleinsurance.net
RC
1671 Penfield Rd
Rick Campoli Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 381-1869
campoliagency.com
BI
3565 Latta Rd
Butler Insurance Services
Umbrella Insurance Agent · Rochester, NY
(585) 392-8006
butlerinsurance.org
UP
120 Linden Oaks
USA Payroll Agency
Umbrella Insurance Agent · Rochester, NY
(585) 643-2140
usapayrollagency.com
LA
2142 Ridgeway Ave
Lawrence Associates Insurance Agency
Umbrella Insurance Agent · Rochester, NY
(585) 227-7500
lawrenceagency.com
BA
515 Beahan Rd
Born Agency
Umbrella Insurance Agent · Rochester, NY
(585) 426-3370
MC
120 Linden Oaks
Mannella Corporation
Umbrella Insurance Agent · Rochester, NY
(585) 347-2012
mannellainsurance.com

What Does an a Umbrella Insurance Agent in Rochester Cost?

The cost of umbrella insurance in New York typically ranges from 150 to 400 dollars per year for one million dollars in coverage. Additional million dollar increments usually cost 50 to 100 dollars each. Factors like your driving record, number of properties, and claims history affect the premium. This is general information and not insurance advice.

About umbrella insurance agents in Rochester

Umbrella insurance provides an extra layer of liability coverage beyond your standard auto or homeowners policy. In Rochester, New York, this type of policy can protect your assets from large claims or lawsuits, including those related to auto accidents on local roads like the Inner Loop. New York law does not require umbrella insurance, but it is often recommended for residents with significant assets or high risk factors.

Frequently Asked Questions

What does umbrella insurance cover in New York?

Umbrella insurance covers legal liability claims that exceed the limits of your underlying auto or homeowners policy. In New York, this can include defense costs for lawsuits involving libel, slander, or false arrest. It does not cover your own property damage or injuries.

How much umbrella insurance do I need in Rochester?

The amount of umbrella insurance you need depends on your total assets and potential liability exposure. Many agents recommend a minimum of one million dollars in coverage for New York homeowners with a swimming pool or a dog. A local Rochester agent can help you calculate the right limit based on your net worth.

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

Yes, you can obtain umbrella insurance if you own rental property in New York. The policy typically requires you to have liability coverage on the rental property first. This extra protection is useful for Rochester landlords facing tenant injury claims or property damage lawsuits.

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.