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? +
What does umbrella cover that auto/home doesn't? +
Who really needs one? +
Umbrella reading, from the Notebook.
How much umbrella insurance do NYC households need in 2026?
A net-worth-based way to size personal umbrella coverage for New York and New Jersey households — why $1M is often the floor, not the answer.
Multi-generational NYC homes: who's on the policy, who's on title
Three generations, one house, one driveway. Here's how to structure the auto and home policies so a claim doesn't land on the wrong person's name in New York.
Hamptons home insurance: HO-3 vs HO-5, jewelry, and umbrella sizing
East End replacement costs run 25–40% above the rest of Long Island. How to structure HO-5, scheduled jewelry, and umbrella coverage for a Hamptons home.
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