Personal Umbrella Insurance in New York
A personal umbrella policy adds liability protection above your home, auto, or renters limits, typically $1 million or more, according to New York's Department of Financial Services. John Lepore Agency offers outstanding umbrella rates in Rockland and Putnam Counties. Call 855-945-1900 or send your current policy for a rate.
How home, auto, and umbrella insurance fit together
Your home and auto policies each have a liability limit, the most the policy pays if you're found responsible for someone else's injury or property damage. A personal umbrella policy sits above those limits and picks up where they stop.
- Your auto policy pays
- $250,000
- Your umbrella pays
- $500,000
- Left for you to pay
- $0
An illustration using an example auto liability limit of $250,000, not a quote or a promise of coverage. Coverage depends on the policy terms.
What your umbrella adds
Liability protection above your home, auto, or renters limits, typically $1 million or more, according to New York's Department of Financial Services. It usually also covers offenses such as libel, slander, false arrest, and invasion of privacy.
Why they get set up together
Insurers may require certain minimum liability limits on your primary policies before they'll write an umbrella. Change one limit and it can affect the others, so we look at all three as one picture.
How does umbrella insurance work?
An umbrella policy protects you against judgments in lawsuits that exceed the protection of your primary policies.
What does umbrella insurance cover?
Policies vary, so check the terms and exclusions of any policy you're considering.
Who should consider umbrella insurance?
New York's Department of Financial Services says you may consider one if you have a homeowners or renters policy as well as an auto policy, and you have assets you'd like to protect.
What does it take to qualify for an umbrella policy?
Insurers may require you to carry certain minimum liability limits on your primary policies. Not all auto insurers offer umbrella policies, so ask us what applies to you.
How much umbrella insurance do you need?
Umbrella insurance questions
What does umbrella insurance cover?
Liability above your home, auto, or renters limits, and usually offenses such as libel, slander, false arrest, and invasion of privacy.
How much umbrella insurance do I need?
It depends on your assets and your exposures. Policies typically start at $1 million. Our calculator gives you a range to talk through.
What affects the cost of umbrella insurance?
Your limit, your household, your vehicles, and your property. Call us for a rate. Umbrella insurance cost: what affects it
Do I need home or auto insurance before I buy an umbrella policy?
Insurers may require certain minimum liability limits on your primary policies.
Related umbrella insurance pages
Have your current home, auto, or umbrella policy? Send a photo for a rate
It's the fastest way to a rate: one photo or PDF instead of a long form. John or Allen reads it and comes back to you.
Find your declarations page
It's usually the first page of your policy or renewal packet. You can also download it from your insurer's website or app.
Take a photo or choose a file
Lay the page flat in good light with all four corners showing. A PDF or a screenshot works too.
Send everything at once
Home, auto, and umbrella can go together. We sort them, and each policy gets its own review.