Personal Umbrella NJ
NJ personal umbrella coverage from a licensed independent agent. Kevin reviews and responds personally.
Local Underwriting
Licensed Garden State agency matching local data to A-rated NJ paper.
Engineered for Peace of Mind.
Every policy from Kevin Brown Insurance Agency comes standard with modern features designed to make your life easier and your protection stronger.
Extended Defense
Legal fees covered outside policy limits.
Worldwide Cover
Liability protection that travels with you.
How to get covered
Independent agents shop multiple carriers. Kevin does that, and he also has access to E&S markets for risks standard carriers decline. Here's how the process works.
Tell us what you need
Fill out the Get Covered form. It takes about two minutes. Select your coverage type and answer a few questions about your situation.
Kevin reviews and responds
Kevin personally reviews every submission and responds with real options. No quote engines. Most NJ submissions get a response within 2–4 hours during business hours.
You choose and bind
Once you select the right option, Kevin handles the paperwork and gets your policy issued. You get a copy of your declarations page as soon as it's bound.
Why an independent agent?
Captive agents (like those at State Farm or Allstate) work for one carrier. Kevin works for you, shopping your risk across dozens of carriers to find the best fit, including E&S markets when standard options aren't available.
Quote intake is open 24/7. Kevin reviews and responds during business hours, Mon–Fri 9 AM to 5 PM.
Get CoveredNJ Producer License #3003694894 · No call center
Frequently Asked Questions
Anyone with significant assets — a home, savings, or investment accounts — benefits from umbrella coverage. NJ's litigation environment means auto accident claims can easily exceed standard policy limits. Umbrella policies provide $1M+ in additional coverage at very low cost.
A $1 million personal umbrella policy in NJ typically costs $150–$300 per year — one of the best values in insurance. Kevin can bundle it with your home and auto for the best combined rate.
Umbrella coverage kicks in when claims exceed your underlying home or auto liability limits. It also covers liability claims not covered by those policies — including defamation, false arrest, and certain dog bite scenarios.
Still have questions?
Call Kevin directly: 732-813-1161Complete your protection bundle
Get an extra 10% off when you bundle 3 or more products.
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Licensed NJ independent insurance agency. Get real options from Kevin — no automated call centers, no bots.