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Umbrella Insurance

When One Policy Isn’t Enough
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Even the best home or auto policy has its limits—and when something big goes wrong, that limit can come up fast. Umbrella insurance offers an extra layer of liability protection for life’s unexpected (and often expensive) moments. At W.J. Farmer Insurance, we help individuals and families across New York secure affordable umbrella policies that extend their coverage without overcomplicating their lives. From lawsuit protection to high-value claims, this type of insurance helps protect your finances, assets, and future. If you have a lot to lose—or just want added peace of mind—we’ll help you decide if an umbrella is right for you.

Coverage That Picks Up Where Others Leave Off

Extra Liability Protection That’s Surprisingly Affordable

We’ll explain what umbrella insurance actually does, who needs it, and how it layers on top of your existing home, auto, or renters policy.


Standard policies typically include:

  • Additional liability coverage above home, auto, or condo limits
  • Coverage for lawsuits, legal defense, and settlement costs
  • Personal injury protection for slander, libel, or false arrest
  • Protection against liability for rental properties you own
  • Worldwide coverage for most claims
What You Can Expect from W.J. Farmer

Big Protection Without the Big Price Tag

We make it easy to understand how umbrella insurance works—and whether or not it fits your needs. If it’s not right for you, we’ll tell you. If it is, we’ll help you do it right.


You’ll get:

  • Policies starting around $150–$300 per year
  • Easy integration with your existing coverage
  • Honest advice from licensed local agents
  • Help understanding risk based on assets and lifestyle
  • Support during claim events or legal proceedings


As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.

Other Policies That Work Well with Umbrella Insurance

Build a Stronger Coverage Foundation

Umbrella policies work best when you have solid underlying coverage. If you’re missing the basics, we can help you get them in place first.

  • Auto insurance with adequate liability limits

  • Home or renters insurance with standard protections

  • Landlord or rental property liability coverage

  • Boat or recreational vehicle insurance

  • Business liability (if you're a sole proprietor)

Wondering If an Umbrella Policy Makes Sense? Let’s Talk