New York · Umbrella Insurance
New York Umbrella Insurance
Extra $1M-$5M+ of liability protection that kicks in after your home/auto limits exhaust. Typical New York premium is approximately $460/year.
Avg Premium
$460/yr
Risk Score
75/100
Consumer Protection
64/100
No-Fault
Yes
Coverage requirements in New York
New York requires minimum liability limits of 25/50/10 under its no-fault system. Most insurance experts recommend higher limits (100/300/100 or 250/500/250) to protect personal assets.
Coverage types
- Excess Liability — Additional coverage above auto/home liability limits.
- Worldwide Coverage — Most policies apply globally.
- Defense Costs — Legal fees often paid outside the coverage limit.
Top New York savings opportunities
- Bundle with home/auto carrier
- Right-size to net worth
Common exclusions
- Business activities
- Intentional acts
- Owned aircraft