Umbrella
Umbrella insurance — the cheapest meaningful protection in NYC.
Umbrella insurance from Kelly Qu Agency is a personal excess-liability policy that adds $1M to $5M of coverage on top of your auto, home, and HO-6 limits — typically $200–$450/year. Most NYC and northern NJ households with meaningful assets are under-protected at this layer, and it's the single least expensive way to fix that.
Frequently asked questions
Do I need an umbrella policy in NYC? +
If your net worth is meaningful (home equity, co-op shares, retirement, investments) and exceeds your underlying auto + home liability limits, yes. NYC litigation realities make $1M underlying liability a low ceiling for many households. An umbrella adds $1M–$5M of coverage at typically $200–$450/year.
What does umbrella cover that auto/home doesn't? +
It extends bodily injury and property damage liability above your underlying policies and also covers some claims auto/home exclude — like libel, slander, false arrest, and worldwide personal liability. Particularly useful for NYC clients with public-facing professions.
Who really needs one? +
Households with significant equity, rental properties, teen drivers, pools or boats, large entertaining habits, or any meaningful public visibility. NYC professionals with assets are often dramatically under-protected because the policy is cheap relative to the risk.
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