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Find Umbrella Insurance Agents Near You in Tonawanda, NY
Compare umbrella insurance agents in Tonawanda. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Tonawanda, 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 Tonawanda, 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.
K L Hudson Insurance Agency
2777 Sheridan Dr #200, Tonawanda, NY 14150
(716) 832-3670
klhudsoninsurance.com
Di Giore Insurance & Financial
2860 Sheridan Dr, Tonawanda, NY 14150
(716) 837-1300
Palumbo Insurance Agency, Inc
2571 Sheridan Dr, Tonawanda, NY 14150
(716) 832-1736
palumboinsuranceagency.com
Upstate USA Insurance Agency LLC.
2718 Elmwood Ave, Tonawanda, NY 14217
(716) 877-9800
upstateusa.com
An umbrella insurance agent in Tonawanda New York helps you add a layer of liability protection beyond your auto and home policies. New York law requires minimum liability limits of 25,000 per person and 50,000 per accident for bodily injury, but an umbrella policy can provide 1 million or more in additional coverage. This is especially useful for Tonawanda residents with assets to protect or who face higher lawsuit risks.
What Does a Umbrella Insurance Agent in Tonawanda Cost?
In New York, umbrella insurance typically costs between 150 and 300 per year for 1 million in coverage. Additional million increments may cost 75 to 150 each. Costs vary based on your risk factors, claims history, and the insurance company. 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 Tonawanda do?
An umbrella insurance agent in Tonawanda helps you purchase a personal umbrella policy that covers claims exceeding your primary insurance limits. They assess your risk profile and recommend coverage amounts based on your assets and lifestyle.
How much umbrella insurance do I need in New York?
Most New York agents recommend at least 1 million in umbrella coverage. The amount you need depends on your net worth, income, and potential liability risks. A common rule is to have coverage equal to your total assets.
Is umbrella insurance required by law in New York?
No, umbrella insurance is not required by New York law. However, it is strongly advised for anyone with significant assets or high liability exposure. New York courts can award large judgments, making extra protection valuable.
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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.