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Browse umbrella insurance agents serving Smithtown, New York. Contact information and addresses listed below.
15 agents listed
Updated May 2026
Smithtown, 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 Smithtown, 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.
AAA Smithtown
729 Smithtown Bypass, Smithtown, NY 11787
(631) 393-7613
branches.northeast.aaa.com
Joe Aguirre - State Farm Insurance Agent
61 W Main St, Smithtown, NY 11787
(631) 265-3880
smithtownagent.com
Philip Forte: Allstate Insurance
310 Maple Ave, Smithtown, NY 11787
(631) 346-6400
agents.allstate.com
Platinum Insurance Group
111 E Main St, Smithtown, NY 11787
(516) 621-2436
platinuminsgroupny.com
Takach & Associates, Inc
112 Terry Rd, Smithtown, NY 11787
(631) 366-2774
takachinsurance.com
Cafaro Insurance Agency Inc.
738 Smithtown Bypass #110, Smithtown, NY 11787
(631) 321-6165
cafaroins.com
Antos Agency Inc
158 Terry Rd, Smithtown, NY 11787
(631) 360-3737
antosagencyinc.com
Central Insurance Agency
93 E Main St, Smithtown, NY 11787
(877) 242-9600
ciainsures.com
Navigators Insurance
550 Smithtown Bypass STE 202, Smithtown, NY 11787
(631) 724-4989
insnavigator.com
Schaefer Agency Inc. (The)
201 E Main St, Smithtown, NY 11787
(631) 979-7474
Nationwide Insurance: Bagatta Associates Inc.
823 W Jericho Turnpike Suite 1A, Smithtown, NY 11787
(631) 864-1111
bagatta.com
Marluca Insurance
50 Karl Ave #103, Smithtown, NY 11787
(631) 543-2232
BGR Insurance Services
22 Lawrence Ave Suite 308, Smithtown, NY 11787
(631) 647-8488
Goosehead Insurance - Douglas and Christopher Delisle
444 NY-111, Smithtown, NY 11787
(631) 546-5289
goosehead.com
Island Agency Inc.
2 Redan Dr, Smithtown, NY 11787
(516) 256-2300
islandagencyinc.com
Umbrella insurance agents in Smithtown New York help you secure extra liability coverage that goes beyond your home and auto policies. New York law requires minimum liability limits for vehicles, but umbrella policies provide additional protection for lawsuits and large claims. Working with a local agent ensures you understand how New York insurance regulations affect your coverage needs.
What Does a Umbrella Insurance Agent in Smithtown Cost?
Typical costs for an umbrella insurance policy in New York range from 150 to 300 dollars per year for one million dollars in coverage. Higher limits of two to five million dollars may cost 300 to 700 dollars annually. Costs vary based on your risk profile, number of vehicles, and property value. 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 Smithtown do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that adds coverage above your existing home and auto insurance. In New York, this extra layer can protect you from lawsuits exceeding your standard policy limits. The agent assesses your risk and finds a policy from a licensed insurer.
How much umbrella coverage do I need in New York?
Most agents recommend at least one million dollars in umbrella coverage for New York residents due to the states high cost of living and litigation risks. Your specific needs depend on your assets, income, and potential liability exposure. An agent can help you calculate the right amount based on your personal situation.
Is umbrella insurance required by law in New York?
No, New York does not require umbrella insurance by law. However, it is strongly recommended for anyone with significant assets or high liability risks. New York vehicle liability minimums are often too low to cover serious accidents, making umbrella coverage a prudent choice.
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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.