Umbrella Insurance

When your standard coverage isn’t enough, umbrella insurance steps in. At F&T Insurance Agency, we help individuals and families across Massachusetts, Rhode Island, Connecticut, and New York protect their future with umbrella policies designed to go further—because some risks deserve more than the basics.

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Added Protection Matters

Umbrella Insurance You Can Trust

Our umbrella insurance policies add an extra layer of coverage beyond your homeowners, auto, or renters insurance. Whether you're in Westport MA, Providence, Stamford, or Albany, we offer personal umbrella policy residents use to shield themselves from high-cost claims and unexpected legal expenses.

High-Limit Liability

Our umbrella insurance adds $1 million or more in liability protection when other policies max out—ideal for high-value home, auto, or rental coverage.

Coverage That Follows You

From court claims to serious injuries, excess liability insurance extends across multiple policy types to protect your income and assets.

Affordable Peace of Mind

We help clients secure affordable umbrella insurance—coverage that’s cost-effective for how much extra security it provides.

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Umbrella Insurance FAQs You Should Know

  • What does umbrella insurance cover?

    It provides additional liability coverage beyond your existing policies—protecting you from large claims involving injuries, lawsuits, or property damage.

  • Do I need umbrella insurance?

    If you own property, have savings, or want extra protection against lawsuits, yes. We help evaluate your exposure and recommend the right limits.

  • How much coverage do I need?

    Most clients start with $1 million, but your needs may vary. We offer personal umbrella policy MA options that scale with your risk profile.


  • Does umbrella insurance replace other policies?

    No—it supplements your existing coverage. It only activates after your primary policy’s limits have been reached.


  • Is umbrella insurance expensive?

    Not at all. Umbrella insurance quotes MA clients receive from us often show significant value—especially considering the protection it offers.

Always Here to Help

Extend Your Coverage with Confidence

At F&T Insurance Agency, umbrella insurance comes with more than a policy—it comes with a partner. We guide you through every step, from reviewing your current limits to understanding when this extra coverage really matters. And if you ever need to file a claim, we’re right there beside you.

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