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.
Sewer backup in NYC: what HO-3 and HO-6 exclude (and the $30 fix)
Standard NYC home and condo policies exclude sewer backup and drain overflow. Here's what that gap costs in older plumbing — and the cheap endorsement that closes it.
First-time NYC home buyer insurance: checklist from binder to closing
The insurance part of a NYC home purchase confuses most first-timers. Here's exactly what to buy, when to buy it, and what your lender actually requires.
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