Accidents and lawsuits can happen in the blink of an eye—and sometimes, your standard insurance just isn’t enough. That’s why Massachusetts Personal Umbrella Insurance is a smart choice for anyone looking to protect their assets and future income. At Segreve & Hall, we help you extend your liability coverage beyond home, auto, or boat insurance limits, providing affordable peace of mind when the unexpected strikes.
Massachusetts Personal Umbrella Insurance for Extra Protection Beyond Standard Policies
Trusted by Businesses for 30+ years 
Why Massachusetts Residents Need Personal Umbrella Insurance
Financial protection that goes further when liability limits run out
If a serious accident occurs, standard liability limits may fall short. Massachusetts Personal Umbrella Insurance offers additional coverage for:
- Major auto accidents with severe injuries
- Lawsuits involving personal injury or property damage
- Libel, slander, or defamation claims
- Legal fees and court costs
- Incidents occurring on your property
This extra layer of protection helps shield your savings, retirement accounts, and future earnings from large legal judgments.
Affordable Coverage for High-Value Protection
Higher limits don’t have to mean higher costs
Many people are surprised at how cost-effective umbrella insurance can be. In Massachusetts, $1 million in additional liability protection often costs just a few hundred dollars per year. When you consider the potential cost of a lawsuit, umbrella insurance is a small investment for significant peace of mind.
Tailored Policies for Massachusetts Lifestyles
Coverage that fits your unique risks and assets
Your life isn’t the same as your neighbor’s, and your insurance shouldn’t be either. We tailor Massachusetts Personal Umbrella Insurance policies based on your lifestyle and exposures, whether you:
- Own rental properties
- Have a teenage driver in the household
- Host large gatherings
- Travel frequently
- Own recreational vehicles or boats
Segreve & Hall helps you identify risk areas and ensures you’re fully protected.
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From Our Clients
I had a fantastic experience working with the Segreve & Hall team. As I was preparing for an interstate move, Paulo Botelho and the rest of the team were all incredibly helpful in quoting and starting new auto and renters policies. They went above and beyond to make this step of the moving process smooth and seamless. I'm very happy with the policies/prices we landed on, and I cannot recommend the team highly enough!
I worked with Paulo Botelho of Segreve & Hall on obtaining insurance for a new seasonal residence in Maine. Paul was very knowledgeable, efficient, very easy to work with and I was able to quickly obtain excellent coverage at a premium much lower than I expected. I highly recommend Paulo and his firm.
I worked with Hunter and Adam on getting health insurance last minute. I was unaware I’d lose coverage when I turned 26 and was desperate for help. They made the process simple for me and I had no gap in coverage. I look forward to working with them in the future for my other insurance needs.
Great communication from them. Always answer all my questions promptly and are great to work with.
I had an exceptional experience working with Hunter and his amazing team, Adam and Michael. From the very first consultation, Hunter took the time to thoroughly understand my needs and explained all my options with clarity and patience. His professionalism, expertise, and genuine care made the entire process smooth and stress-free.Thanks to Hunter and his team, I now have a comprehensive life insurance plan that gives me peace of mind for the future. I highly recommend them to anyone seeking trustworthy, knowledgeable, and caring insurance professionals. Five stars.
Paulo is so very helpful with everything we have needed so far. He even had to re-route our policy from an old address and did that without a problem. Very smooth transition from our former agency. Thank you Paulo!
I was looking for both flood and homeowner's insurance for my first home with my fiance, and a client connected me with Michael Segreve. I worked with Michael Brandolini to get both homeowner's insurance and and flood insurance, as well as a new auto policy. Michael was extremely helpful and prompt, and a great communicator. I strongly recommend Segreve and Hall, specifically Michael Brandolini for insurance needs!
Great staff , Communication on point, Very helpfulHighly recommend this agents.
They have helped me and I'm satisfied beyond measure they are really good for me
I recently turned 26 and needed to find my own health insurance for the first time. I worked with Hunter, who made the entire process incredibly smooth and stress-free. He took the time to explain my options clearly and helped me enroll in a Tufts plan that fits my needs perfectly. What I expected to be a confusing and overwhelming experience turned out to be simple and straightforward, thanks to Hunter and the Segrave & Hall Team. I’m so grateful for their support and highly recommend their services!
Tom has been a pleasure to work with and secured me a good rate on home insurance. Great experience.
Our agent Geoffrey paid attention to our needs and got us what we wanted and looked at diferante option to get us the best rate possible
Recently switched over my auto insurance. My agent, Fionbarra Collins, saved me a lot of money from what I was previously paying. Highly recommend giving them a shot!
These guys are the real deal !A pleasure to work with and they really care about making life easier for everyone!Great work boys !
I had a great experience working with Paulo, He helped me to decrease the price of my home insurance.
They got me a really good quote in a short amount of time. I would definitely recommend Segreve & Hall
Thomas and Sean are awesome they have been instrumental in the success of my business!
Brian was great with talking me through my first homeowners policy. He found us a great rate and executed a seamless closing with our mortgage broker. Will be looking into more policies with Segreve & Hall in the future.
I recently switched over all my insurance with Segreve, both personal and corporate. They have been nothing but amazing! Whenever I need something I get a response within minutes and requested documents within 30 minutes or at the latest same day. I have worked with other agencies in the past and they are hands down the best! The whole team and family are very friendly, hard working, great attention to detail and professional. I would highly recommend to anyone!
Frequently asked questions
Is personal umbrella insurance required in Massachusetts?
No, Massachusetts law doesn’t require umbrella coverage. However, it’s highly recommended for anyone with assets to protect or higher-than-average liability risks. A single lawsuit can exceed standard policy limits and jeopardize your financial security.
Does personal umbrella insurance cover incidents outside the U.S.?
Often, yes! Many Massachusetts Personal Umbrella Insurance policies extend coverage to incidents that happen abroad. It’s important to review your policy terms to confirm how international claims are handled.
How much personal umbrella coverage should I carry in Massachusetts?
Coverage amounts typically start at $1 million but can go much higher based on your assets and lifestyle risks. We recommend evaluating your total net worth and potential liability exposures to choose an appropriate limit. Segreve & Hall can help you determine the best fit for your situation.
