PERSONAL UMBRELLA INSURANCE

Extra Liability Protection When You Need It Most.

Accidents happen. Lawsuits are expensive. Umbrella insurance provides an extra layer of liability protection that can help safeguard your assets, future income, and lifestyle.
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Independent advisors.

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Multiple carriers.

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Real guidance when you need it most.

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Personal Umbrella Insurance Customized Around You

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Real Advisors. Real Accountability.

We take the time to understand your unique risks and help you choose the right level of protection for your lifestyle and assets.

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High Liability Limits for Greater Peace of Mind.

Umbrella insurance provides coverage above your existing policy limits when the unexpected could cost you everything.

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Affordable Protection That Goes Farther.

Extends the liability limits of your home, auto, boat, and other policies at a surprisingly low cost.

Key Protection Available with Umbrella Insurance

Umbrella insurance helps protect you when life takes an unexpected turn. It goes beyond the limits of your standard policies to help defend your financial future.

  • Extends Liability Coverage on Home Insurance
  • Extends Liability Coverage on Auto Insurance
  • Extends Liability Coverage on Boat & Watercraft
  • Covers Lawsuits, Judgments & Settlements
  • Legal Defense Costs
  • Personal Injury & Advertising Injury
  • Worldwide Coverage for Many Activities

More Than Enough Liability Protection

A serious accident or lawsuit could cost far more than your auto or homeowners policy limits.

Umbrella insurance can help protect your savings, home, investments, and future earnings when the unexpected happens.

Common Umbrella Insurance Scenarios

Injury on Your Property

A guset is injured while visiting your home and sues for medical costs and damages.

Serious Auto Accident

You're found responsible for an accident causing significant injuries and financial damages.

Boat Accident

You cause injury or damage to others while boating and face a lawsuit.

Dog Bite Incident

Your dog injures someone and the medical costs and legal fees execed your policy limits.

Why Choose Eastern Insuring Agency for Umbrella Insurance?

As an independent insurance agency, we work with multiple top-rated insurance companies to find you the best umbrella insurance coverage at the right price.

We proudly serve boaters throughout:

  • Amsterdam
  • Carmel
  • Plattsburgh
  • Saranac Lake
  • Lake Placid
  • Adirondack Region
  • Hudson Valley
  • Capital Region
  • Throughout New York State
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Whether you're protecting your family, your assets, or your future, we're here to help you gain peace of mind.

Frequently Asked Questions About Umbrella Insurance

How much umbrella insurance do I need?
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Most financial experts recommend at least $1 million in coverage. Higher limits are available based on your assets and risk exposure.

Do I need umbrella insurance if I have insurance already?
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Yes. Umbrella insurance provides extra liability limits above your existing policies when they are not enough.

How much does umbrella insurance cost?
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Umbrella insurance is typically very affordable, often costing less than the price of a few cups of coffee per month.

What policies does umbrella insurance cover?
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It extends the liability limits of your home, auto, boat, and other underlying policies.

Does umbrella insurance cover me anywhere?
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Most umbrella policies provide worldwide liability coverage for many activities, with some exceptions.

Protect What You’ve Built

Umbrella insurance provides the extra layer of protection you need to help secure your assets, lifestyle, and financial future.

Explore Personal Coverages

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(ATV, Boat, Motorcycle, Snowmobile)

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Insurance That Actually works the Way You Live

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Real Advisors.Real Accountability.

Work with licensed advisors who understand your risks - not call centers - or scripts.
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Technology ThatRemoves Friction

Access ID cards, policies, payments, and service requests online - without chasing paperwork.
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Coverage Designed Around You

We compare multiple top - rated carriers to build coverage that fits your life and budget

The Coverage People Miss Most

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Umbrella Insurance

The most affordable “extra layer” of protection. Umbrella insurance provides additional liability coverage above your home, auto, or other policies when their limits are reached.
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Flood Insurance

Many NY homeowners assume they’re covered—flood insurance is actually a separate policy designed  specifically to protect your home and belongings from damage caused by rising water.
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Valuable Items

Scheduled coverage helps protect higher-value items that may exceed the limits of your standard homeowners or renters policy.
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An independent insurance agency providing personal, commercial, and life insurance solutions across New York.
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1-800-698-1222  
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Our Locations

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Amsterdam

2 Guy Park Avenue
Amsterdam, NY 12010
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Carmel

72 Gleneida Avenue
Carmel, NY 10510
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Malone

7 Rockland Street, Suite A
Malone, NY 12953
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Plattsburgh

1645 Military Turnpike Hwy
Plattsburgh, NY 12901
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Eastern Insuring Agency is licensed to provide insurance services in New York State. Coverage is subject to underwriting guidelines and policy terms.
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