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Looking for a umbrella insurance agent in Schenectady? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Schenectady, 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 20 umbrella insurance agents in Schenectady, 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.
Hopmeier Evans Gage Agency
2330 Broadway, Schenectady, NY 12306
(518) 377-7414
yourownagent.com
AAA Schenectady
220 Harborside Dr Suite 200A, Schenectady, NY 12305
(518) 374-4696
northway.aaa.com
Nikki Stone - State Farm Insurance Agent
1334 Union St, Schenectady, NY 12308
(518) 930-7316
bettercallnikki.com
Shirley Martinez - State Farm Insurance Agent
1426 Altamont Ave Suite 3, Schenectady, NY 12303
(518) 355-5606
shirleyinsuresme.com
Empire Insurance Services, LLC
610 Union St, Schenectady, NY 12305
(518) 378-3333
ridewithempire.com
VOOMA Insurance (formerly Shutts Agency)
1740 Union St, Schenectady, NY 12309
(518) 372-5615
voomainsurance.com
Rickard Agency Inc
2088a Curry Rd, Schenectady, NY 12303
(518) 356-1900
rickardinsurance.com
Sykes Mallia Associates Inc
160 Lafayette St, Schenectady, NY 12305
(518) 393-3618
sykes-mallia.com
Tim Ochs - State Farm Insurance Agent
1811 Curry Rd, Schenectady, NY 12306
(518) 357-4911
ochsinsurance.com
2001 Central Insurance Agency
2129 Central Ave, Schenectady, NY 12304
(518) 395-2001
2001cia.com
State Farm Insurance
2727 Hamburg St Ste 4, Schenectady, NY 12303
(518) 930-7316
statefarm.com
Edward Brys: Allstate Insurance
1737 Union St Suite 2, Schenectady, NY 12309
(518) 377-0909
agents.allstate.com
John R. Zongrone Agency, Inc.
1566 State St, Schenectady, NY 12304
(518) 374-3376
zongrone.com
Nationwide Insurance: William J. Freyer
1650 State St, Schenectady, NY 12304
(518) 346-6111
agency.nationwide.com
Angers & Litz Associates Inc
15 Angers Ave, Schenectady, NY 12303
(518) 355-8030
angersandlitz.com
Kinowski Insurance Agency
1660 Tower St, Schenectady, NY 12303
(518) 356-4499
kinowskiinsurance.com
Randy Pascarella: Allstate Insurance
4017C State St, Schenectady, NY 12304
(518) 475-0123
agents.allstate.com
Stacy Ochs - State Farm Insurance Agent
1811 Curry Rd, Schenectady, NY 12306
(518) 356-0433
stacyoinsurance.com
Prime Group Insurance Agency, Inc.
rear entrance, 1579 Union St 1st floor, Schenectady, NY 12309
(518) 377-0200
primegroupinsurance.com
Snug Protection Group
1656 Dewitt St, Schenectady, NY 12303
(518) 432-1600
snugprotection.com
Umbrella insurance agents in Schenectady help you secure extra liability coverage that goes beyond the limits of your home and auto policies. New York law requires minimum liability limits for drivers, but an umbrella policy can provide additional protection against large claims or lawsuits. This is especially important in a city like Schenectady where property values and legal costs can be high.
What Does a Umbrella Insurance Agent in Schenectady Cost?
In New York, umbrella insurance typically costs between 150 and 300 dollars per year for 1 million dollars of coverage. Costs rise with higher coverage limits and additional risk factors like multiple properties or young drivers. Premiums vary by insurer and your personal profile. 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 an umbrella insurance agent in Schenectady do?
An umbrella insurance agent helps you buy a personal liability policy that covers claims above your existing home and auto insurance limits. They assess your risk and find a policy that fits your needs in New York.
How much umbrella insurance do I need in New York?
Most agents recommend at least 1 million dollars in coverage. New York courts can award large settlements, so higher limits like 2 or 5 million may be wise for homeowners or those with significant assets.
Can I buy umbrella insurance without a home or auto policy?
No, you usually need an underlying home or auto policy to qualify for umbrella insurance in New York. The umbrella policy only kicks in after those base limits are used up.
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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.