Umbrella/Excess Insurance

Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award an injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.


Your Personal Liability Insurance

Umbrella insurance is designed to give you added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, you can add an additional 1-5 million in liability protection. This protection is designed to “kick-in” when the liability on other current policies has been exhausted.

A personal liability umbrella insurance policy can give you added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage gained. Finally, liability insurance covers your non-business activities anywhere in the world.

 

Need Some Help with
Umbrella/Excess Insurance?

At Northern Insuring Agency we enjoy helping customers with their insurance questions.  Contact us today for more information or if you’d be interested in a free review or insurance proposal, 800.807.6542.

Please be advised, some products and services may not be available in your area.

Personal Insurance Products
Auto, Home & Life Insurance


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Homeowner’s Insurance


For many of us our home is our most valuable possession.


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Personal Auto Insurance


When you buy an auto insurance policy, you are buying a package of coverages.


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Boat and Jet Skis


Boat insurance works similarly to the insurance for your car, and can provide protection in the same way.

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Condominium Insurance


Condominiums and townhouses have special insurance needs.

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Landlord Package Insurance


Landlord’s face special risks that require special insurance protection.


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Mobile Home Insurance


Mobile home insurance provides coverage for your mobile home, garage or shed, and your personal belongings.


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Motorcycle Insurance


Motorcycle Insurance typically offers a combination of collision, liability, theft, and related coverage designed specifically to meet your needs.

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Umbrella/Excess Insurance


Designed to give you added liability protection above and beyond the limits.

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Recreational Vehicle Insurance


A common practice for RV owners is to insure their RV under their current auto policy.


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Renters Insurance


Even though you don’t own your own home, you have personal property that can be lost to fires, burglaries, and even lawsuits.


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Need Some Help?
Contact Us Today!


We enjoy helping customers with their insurance questions, call us today at 800.807.6542

 

Three Locations to Better Serve You

*Our Massena office has closed and we are now in Potsdam!*
Monday – Thursday 8:00 am – 4:30 pm, Friday 8:00 am – 2:30 pm
Plattsburgh Office

171 Margaret Street
Plattsburgh, New York 12901
Phone: (518) 561-7000

Whitehall Office

92 Main Street
Whitehall, New York 12887
Phone: (518) 499-0444

Potsdam Office

69 Market Street
Potsdam, New York 13676
Phone: (315) 769-2404