Umbrella Insurance

At Jennifer Halteman Insurance, we believe in old fashioned service where honest advice and personal care come first. When it comes to insurance, you can count on real help from a local you trust.

The Best Umbrella Insurance in New England

Our Umbrella Insurance

Jennifer Halteman offers reliable umbrella insurance designed to give you extra protection beyond your standard policies. Umbrella insurance adds an additional layer of liability coverage, helping safeguard your finances if a major accident or claim exceeds the limits of your home or auto insurance. With Jennifer, you have a local agent who takes the time to understand your risks and ensures you have the right coverage for greater peace of mind.

Bodily Injury to Others

Umbrella insurance can help cover costs if you are held responsible for causing bodily injury to someone else. It provides additional protection beyond the limits of your primary policies, helping with expenses like medical bills and legal fees.

Property Damage to Others

Umbrella insurance helps cover expenses if you are responsible for damaging someone else’s property. It extends beyond the limits of your primary coverage to help pay for repairs or replacement costs.

Legal costs

Help pay legal costs if you are sued for damages or injuries. It provides extra protection by covering attorney fees, court expenses, and settlements beyond the limits of your standard policies.

Lawsuits over defamation, libel, slander and invasion of privacy

Umbrella insurance can provide coverage if you face lawsuits for defamation, libel, slander, or invasion of privacy. It helps protect your finances by covering legal fees, court costs, and potential settlements.

Damage or injury that occurs outside the U.S.

Umbrella insurance covers certain damages or injuries you are responsible for that occur outside the United States, offering worldwide protection beyond the limits of your primary policies.

  • OUTSTANDING! Both Dennis and Jennifer are exceptional. Respond in a timely manner. Professional service and provide answers without jargon and dismissive answers. HIGHLY recommend this business for all your insurance... read more

    Julie Nelson Avatar Julie Nelson

    Very informative

    Marc Trottier sr Avatar Marc Trottier sr
  • Jennifer and her team take such good care of my clients. Customer service and finding ways to save them Money. I highly recommend!

    Kaila Coffey Avatar Kaila Coffey

    After being dropped by our previous insurance company, which we've used exclusively for many years, a friend put us in touch with Jennifer and we could not be happier with... read more

    Kali Pereira Avatar Kali Pereira
  • Dennis does a great job ensuring every avenue is covered regarding insurance. He is very responsive and provides excellent feedback on claim information and options.

    Derek Emanouil Avatar Derek Emanouil

    We are very pleased with the plan selection, response time and help with any and all questions on both auto and home. Dennis is amazing and so easy to work... read more

    Lynne Borges Avatar Lynne Borges
  • Constance worked quickly and efficiently to search for a policy for me. She was very communicative and knowledgeable. Highly recommend.

    Julie Doyon Avatar Julie Doyon

    Dan was super professional and timely with his responses! Truly a great agency to work with!!

    Rich S Avatar Rich S
  • Professionalism, caring the sheer detail to make sure I got the best package for my needs at the best price was a delight to witness! I would and will HIGHLY... read more

    p NORMOUS Avatar p NORMOUS

    Constance is amazing!!!! She’s so sweet and eager to help!! She goes above and beyond to make sure you get the coverage you need as well as answer any questions... read more

    Sean Heald Avatar Sean Heald
  • Mike is an outstanding insurance agent. He’s always professional, patient, and incredibly responsive whenever I have questions or need guidance. Mike takes the time to explain every option clearly, making... read more

    Bailey Chretien Avatar Bailey Chretien

    Constance just helped my wife and me save HUNDREDS a year on our car insurance, and we couldn’t be more grateful! She was knowledgeable, proactive, responsive, and made the whole... read more

    Matthew Paroff Avatar Matthew Paroff
  • We’ve had an incredible experience with our insurance company, and especially with our representative, Constance Hosang. We have multiple policies with them — business, home, RV, tractor, and auto —... read more

    Shedworks Solutions Avatar Shedworks Solutions

    If you want an insurance provider that cares about your family and well being, please consider Jennifer Halteman Insurance Agency LLC. Since day 1, I've worked with Constance Hosang.... read more

    Aaron Frigon Avatar Aaron Frigon
  • I'm a first time home buyer and had a terrible experience with my first agency. I was recommended to Jennifer and the experience with her was like night & day.... read more

    Alex Crowell Avatar Alex Crowell

    Constance Hosang made it so simple to get insurance! Her communication and professionalism is like no other. I highly recommend you reach out to for any of your needs!

    Mark Jr Avatar Mark Jr
  • Jen Halteman and her entire team are a professional and also a very sociable group of people. To say each person is understanding is an understatement, as they go out... read more

    Alex Lara Avatar Alex Lara

    Exceptional service, especially when time sensitive. Constance not only returned my call later Friday afternoon but after she was done for the day. I appreciate her not only addressing the issue... read more

    John Anacleto Avatar John Anacleto

Umbrella Insurance FAQs

Have questions about umbrella insurance? You’re not alone. Here are answers to some of the most common questions people ask when choosing the right coverage.

It typically covers liability for injuries or property damage, along with legal defense, slander, libel, invasion of privacy, and more, depending on the policy terms.

It does not cover your own property damage, business activities, or intentional acts that cause harm. It also won’t cover certain specialized risks unless specifically added.

If you have assets to protect or are at higher risk for lawsuits, umbrella insurance can provide valuable financial protection beyond your standard coverage. We recommend anyone who owns a home to get an umbrella policy. 

In most cases, yes. Many insurers require you to bundle your home and auto policies with them before they will issue an umbrella policy, ensuring consistent coverage and easier claims handling.