Umbrella liability at meaningful limits
Excess liability over the auto and home underliers, the limit that matches the actual exposure of the household.
Review the lineCoverage / Auto
Auto, for the garage that is not ordinary.
Auto insurance for primary, secondary, and collector vehicles, placed with carriers whose auto products match the homes they already write.
The policy
Liability, physical damage, and the particulars of the garage.
A New York auto policy is more complicated than most drivers realize. No-fault rules, personal injury protection, stacking rules for uninsured and underinsured motorist, agreed-value provisions for vehicles that will never be worth less than they are today. Every one of those details matters, and every one of them is handled differently from carrier to carrier. The households we write typically operate more than one vehicle, often of more than one type, and the policy has to account for all of it.
Write the policy so every vehicle in the garage is covered the way it should be covered. Primary driver to teenage driver to the car in the back of the garage that only comes out on dry weekends. One file, one review, one set of coordinated limits.
- Liability written to meaningful limits, coordinated with the household umbrella
- Physical damage on replacement-cost or agreed-value terms where the vehicle warrants it
- Uninsured and underinsured motorist written up, not down
- Collector, classic, and second vehicles placed with specialty programs where appropriate
- Multi-vehicle and household-driver underwriting handled under one advocate
Who this is for
Households whose garages have more than one story in them.
The typical Armor Group auto account has two or more vehicles and at least one of them is not generic. A daily driver and a weekend car. A primary sedan and a family SUV and a college student's vehicle parked in three different places across the year. A Brooklyn household with a car that only gets used when the family goes upstate.
That kind of garage cannot be written by the same automated underwriting that prices a single-car commuter policy. It needs a carrier that understands how the vehicles are actually used and an agent who writes the policy against the actual use pattern, not a guess.
Collector and second vehicles
Agreed-value, garaged, and underwritten properly.
A classic car is not insured the same way as a commuter car, and getting it wrong is expensive in exactly the moment the client discovers the error. A standard-market auto policy places a vintage vehicle on actual cash value with depreciation, which is the wrong document for a car that appreciates. The right placement is a specialty collector program with agreed-value coverage, stated mileage limits, and garaging terms that match how the vehicle is actually stored.
We place collector vehicles with specialty markets that were built for them, and we coordinate those policies with the household's primary auto policy so the full household reads as one file at the carrier that underwrites the bulk of it.
The household stack
The liability on an auto policy is the floor. The ceiling is excess liability over your auto limits.
New York juries are not gentle with defendants. A serious auto loss can generate a judgment that runs well past any limit an underlying auto policy will carry. The umbrella is the policy that sits above the auto limit and does the actual work in a serious-injury claim, and it should be written at the same time as the auto policy, sized to the household's asset picture, not to a default number. Most households we write also have household coverage for the same address. Homeowners and auto reviewed together, placed with the same carrier family where possible, bound to a single advocate.
The carriers
Paired to the household, not to the vehicle.
We reach for carriers whose auto products actually pair with their home products. A household we already place on a specific homeowners carrier usually belongs on that same carrier's auto policy, and a collector vehicle belongs with the specialty market that was built for it.
Related coverage
The lines that sit alongside this one.
High value homeowners insurance
Household coverage for the same address, written and reviewed alongside the auto file so the stack reads as one document.
Review the lineNew to auto insurance? Read the guide
What an auto policy covers, what New York requires, what moves the price, and how to start a quote.
Read the guideQuestions
What clients ask before they begin.
Written by
Armor Group Insurance Agency
New York licensed independent insurance agency
Armor Group Insurance is a New York-licensed independent insurance agency. Coverage availability, limits, endorsements, exclusions, and premiums vary by carrier, underwriting, vehicle specifics, and account-specific facts. New York no-fault requirements and personal injury protection rules apply to all New York auto policies and are not altered by any description on this page. This page is a general summary of the kinds of auto coverage the agency places and is not a contract, a binder, a quotation, or a guarantee of coverage. No coverage is bound until the carrier issues the policy. Contact the agency to review your specific situation and obtain a quotation.
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Begin an auto quote.
Tell us what is in the garage. Your dedicated agent will respond directly, and the principal reviews every file.