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Stoneham, MA 02180

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Personal Umbrella Insurance

Umbrella Insurance - Main Page 6x4
Because Life Doesn't Always Go As Planned

Meet life’s unexpected twists with a grin, thanks to Personal Umbrella Insurance from LoPriore Insurance Agency. Just like that favorite umbrella you reach for when the clouds roll in, our personal umbrella insurance policy has got you covered when life decides to rain on your parade. It adds that extra cushion of protection over your standard auto, home, or boat insurance – kicking in when the usual coverage just doesn’t cut it.

Here at LoPriore, we’re all about giving you the peace of mind to live your life boldly, knowing we’ve got your back. So, dive into our services, discover just how we can help you keep the good times rolling, even when the clouds gather. With LoPriore Insurance, you’re always prepared for life’s little surprises.

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Massachusetts Umbrella Insurance
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Massachusetts Umbrella Insurance
Lopriore Insurance Agency

Umbrella Insurance - Family Together

Welcome to LoPriore Insurance, where we take the ‘complicated’ out of insurance, so you can take it easy. Let’s face it, life can get stormy and sometimes, your standard insurance policies limits aren’t enough. But worry not, because our Personal Umbrella Insurance is here to shelter you and provide higher limits of coverage to keep you protected from potential situations that may arise.

Also our partnerships with top-notch local, national, and regional insurance companies at our fingertips, we can offer solutions that aren’t just off the shelf, but customized to fit you like a glove. Whether it’s personal liability, property damage, or the whole lot – we’re out to make sure you’re totally covered. With us, you’re always secure!

What Personal Umbrella Insurance Covers

Single-Family Home




Multi-Family House

Vacation Home

Secondary House

Personal Auto


Recreational Vehicles

What Personal Umbrella Insurance Covers


Recreational Vehicles

Single Family Home


Town House

Vacation Home

Secondary Home

Multi Family Home

Understanding the Importance of
Umbrella Insurance

A personal umbrella insurance policy protects you from large liability claims that could be financially devastating. The policy allows you to choose the limits you need to cover gaps in your standard insurance policies and provide protection against personal injury. 

What is It?

Personal umbrella insurance (sometimes called excess liability) provides additional liability coverage  beyond your primary insurance policies. For example, when the limits of your homeowner’s or auto policy limits are exhausted, your umbrella policy offers the extra coverage you need. It helps cover for claims in excess of your regular insurance policies. This type of insurance can also protect you from claims typically excluded from other liability policies, such as libel, false imprisonment, or slander.

Why Do I Need It?

Personal umbrella insurance is designed to provide an additional layer of personal liability when you need it. Customarily the Personal Umbrella policy starts where your primary policy liability limits end. Most Umbrella policies cover the increased limits for things like your home, auto, boat, recreational vehicle, or snowmobile. 

Umbrella insurance can also provide the liability coverage you need for personal injury, including libel, slander, and defamation of character.

Who Is It For?

Anyone seeking additional coverage for hard-earned assets can benefit from a personal umbrella insurance policy. Accidents are unpredictable, and costs add up quickly. Anyone can benefit from personal umbrella insurance. Generally, this type of insurance is suitable for anyone whose assets’ value exceeds the limit of his or her insurance policy. If you own properties or have significant savings and assets, it will also be highly recommended to take out a policy. The rationale is to get as much coverage as you can to protect your assets fully. This way, you need not worry about getting into a lawsuit or a similar situation, where you may lose some of your assets. 

How Much Do Personal Umbrella Policies Cost?

The cost of an umbrella insurance policy will vary depending on your desired coverage, where you live, and the amount of risk gauged by the provider. However, it is not as costly compared to most other insurance policies. A $1 million personal umbrella policy will cost you about $175 to $300 annually. Additional limits are available and will be priced accordingly.  

Most umbrella policies are offered in million-dollar increments, so getting even the minimum coverage of $1 million can provide you with ample protection. A quick way to determine how much you will need is to calculate the value of all your assets and compare this against your current liability insurance. Our team will gladly help you with any necessary computations, should you be interested in getting an umbrella policy.

Commercial Umbrella

Factors That Affect the Cost of an Umbrella Policy

Several factors can affect the cost of your umbrella policy. To help you get a better understanding of how prices are determined, here are some of the most common considerations made in doing so:

Insurance rates vary by state and city, and the same principle applies for personal umbrella insurance. In Massachusetts alone, the costs can vary significantly from one city to another.

Risk Profile
The cost of your insurance can also be affected by the amount of risk you are exposed to based on your lifestyle. For example, if you have things like swimming pools or trampolines in your home, these may pose a risk for injuries. Our insurance agents can help you determine your risk level as you discuss your policy options.
Credit History

Your credit history may also play a role in determining your insurance cost so that poor credit history may equate to a higher cost. This serves as a way to gauge how risky it is to insure you, so the better your credit standing, the higher the chances that you can reduce your insurance costs.

Coverage Limits
The umbrella limit you choose to purchase should be based on what you are looking to protect. In most cases the umbrella policy limit set is equal to your personal net worth or your risk tolerance.

Aside from these, your desired coverage amount and the insurance company you choose will also affect the cost of your insurance. Our agents can help you compare prices among our many insurance partners to help you decide which you want to get.

Shield Your Assets
Secure Your Peace of Mind

Request Your Umbrella Insurance Quote Today

Safeguard your hard-earned assets with the right protection. Take the first step towards comprehensive protection by requesting a quote for Umbrella Insurance today!

What Are the Eligibility Requirements for
Personal Umbrella Insurance

You might have heard about Personal Umbrella Insurance, but what does it really cover? Well, it’s a type of policy that offers an extra layer of protection above your standard insurance policies. Let’s break it down and see how this safety net can help you navigate life’s unexpected challenges.

Primary Underlying Insurance
Most umbrella insurance policies require you to have certain minimum liability limits on your primary insurance policies, such as auto insurance and homeowners insurance. Typically, this requirement ranges from $300,000 to $500,000, but it can vary depending on the insurance company.
Credit Worthiness
Insurance providers may consider your net worth as a factor when determining eligibility. Since umbrella insurance provides additional liability coverage beyond the limits of your primary policies, having a higher net worth can indicate a greater need for additional protection.
Risk Factors
Insurance providers will assess your risk profile, including factors such as your occupation, hobbies, and lifestyle choices. Engaging in high-risk activities or having a profession with a higher likelihood of liability claims may affect your eligibility.
Claims History
Your claims history can impact your eligibility for umbrella insurance. Insurance providers may review your past claims, particularly those related to liability, to assess your risk level.
Your employment can impact your eligibility for umbrella insurance as certain professions may be considered higher risk in terms of liability exposure, and owning a business may require additional coverage considerations.
Driving Records
Your driving history can influence your eligibility for an umbrella insurance policy. Insurance providers review your driving history for accidents, violations, inexperienced operators, and claims, to assess your risk profile and determine the level of coverage they are willing to offer.

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What’s The Advantage of Comparing My Insurance Policy?

When you send us a copy of your policy, our team has an opportunity to get a snapshot of your current insurance coverage, discounts, and added riders on your existing insurance policy.

Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

What Happens When You Upload Your Policy?

Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Umbrella Insurance FAQs

A personal umbrella insurance policy is always available when you’re seeking a low-cost way to safeguard your financial assets and potential future income. Anyone can benefit from personal umbrella insurance.

There are three key factors to take into consideration when determining the amount of umbrella coverage you need.

  • Current net worth
  • Future income
  • The financial risk you plan to protect against

The cost of the policy may also impact your decision.

The average cost for an umbrella policy begins between $150 and $350 yearly. In most cases, adding an additional $1 million in coverage will cost less, as well as every $1 million beyond that.

Family members living in your home are generally protected by your personal umbrella policy. However, some exclusions apply, so it’s important to read your policy carefully and share any concerns with your insurance agent.

Umbrella insurance can help rental tenants in a few different ways. If you have renters insurance, an umbrella policy can extend the liability limits beyond standard coverage. Additionally, if an accident occurs and you’re found liable for causing bodily injury or property damage, your umbrella policy can help you cover damages and legal fees.

Extra Coverage, Extra Peace of Mind

Why risk it? Secure your assets and peace of mind against life’s unexpected turns. Fill out the form below for a free, no-strings-attached quote. It’s time to play it safe – your safety net is just a click away!

Quote Request Form

Request A Personal Insurance Quote Form
Upload your current policy coverage page and we will do all the quoting for you.

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What Others Are Saying About Us!

Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!
Madeline Line
Madeline Line
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.
Alisha Candela
Alisha Candela
Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
Ira Lanik
Ira Lanik
Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Raquel Salois'
Raquel Salois'
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
Always excellent service, advice and genuine customer care.
Mary Kelly
Mary Kelly
Adam and the office staff is great anytime I call it gets done
Quick and considerate responses.
Emily Minty
Emily Minty
Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.
Helen Corrigan
Helen Corrigan
Excellent rates and customer service.
Beverly Murphy
Beverly Murphy
Always responsive, professional and helpful.
Devin Cole
Devin Cole
I was given the most competitive quotes and the service is professional.
Xue Lin
Xue Lin
It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.
Licia Commito
Licia Commito
Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!
Brian made getting a new car insurance quote so quick and easy! I would highly recommend Brian and LoPriore Insurance Agency to anyone looking for a new quote or a better price.
Emily Pedro
Emily Pedro
LoPriore has been amazing to work with, they handled our insurance (Auto & Home) needs quickly, efficiently, and professionally. Working with Maria was seamless and stress-free. Not only did we save money, but we have a REAL person to connect with for any questions, concerns or general updates that arise. We are no longer just a number that is forgotten! Thank you!
Mona Hansley
Mona Hansley
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno