Umbrella Liability Protection in Putnam County & Westchester County

At The Merritt Agency, we make umbrella insurance simple, affordable, and tailored to your needs. As an independent agency, we compare multiple top-rated carriers to find the right level of extra liability protection—so you’re covered when it matters most.

Why Umbrella Insurance Matters

Standard home and auto policies include liability limits, but serious accidents or lawsuits can exceed those limits quickly. Umbrella insurance provides an extra layer of protection over your existing policies, helping safeguard your savings, assets, and future.

What Umbrella Insurance Covers

• Excess Liability – Adds additional coverage beyond your home and auto limits

• Personal Liability – Protects against lawsuits for injury or property damage

• Legal Defense Costs – Helps cover attorney fees and court expenses

• Worldwide Coverage – Protection that follows you beyond your home

Why Choose The Merritt Agency?

• Independent Advantage: We shop multiple carriers to find the best fit

• Personalized Service: Coverage tailored to your assets and risk exposure

• Local Expertise: Trusted guidance with ongoing support

Ways to Save on Umbrella Insurance

We help you get maximum protection at the best value:

• Bundle with home and auto policies

• Maintain proper underlying coverage limits

• Keep a strong claims history

Get a Free Umbrella Insurance Quote

At The Merritt Agency, you get more than coverage—you get confidence that your assets are protected.

Contact us today for a free, no-obligation quote and add an extra layer of security to your future.