The top-rated umbrella insurance agent in Montgomery, Alabama is The Mitchell Agency, rated 5.0 stars across 807 reviews. Other highly rated options include Robinson Bryant Agency, Freeway Insurance, Mims Insurance Agency Inc. This directory lists 20 umbrella insurance agents serving Montgomery.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Mitchell Agency | 4170 Carmichael Ct suite a | (334) 279-6667 |
| 2 | Robinson Bryant Agency | 2931 Zelda Rd | (334) 356-3665 |
| 3 | Freeway Insurance | 6150 Atlanta Hwy Ste 8 | (334) 218-3763 |
| 4 | Mims Insurance Agency Inc | 1256 Perry Hill Rd | (334) 265-9291 |
| 5 | Local Insurance Group | 4137 Carmichael Rd Suite 200 #24 | (334) 230-7775 |
| 6 | Global Insurance and Services LLC | 5770 Bell Rd A | (334) 600-4140 |
| 7 | Go Insurance Agency | 3366 Atlanta Hwy | (334) 593-9991 |
| 8 | Jim Horne Insurance Agency, Inc. | 3711 Atlanta Hwy | (334) 244-0600 |
| 9 | Harmon Dennis Bradshaw, Inc | 4131 Carmichael Rd | (334) 273-7277 |
| 10 | Belcher Agency Inc | 631 S Perry St | (334) 262-2984 |
The Mitchell Agency serves the Montgomery area as an umbrella insurance agent. It provides supplementary liability coverage that extends beyond the limits of standard auto, home, or watercraft policies. This additional layer of protection helps shield clients from major claims and lawsuits that could otherwise threaten personal assets. The agency guides residents through the process of selecting appropriate coverage levels to match their unique risk exposures. It handles both personal umbrella policies and commercial umbrella insurance for business owners in the region.
Robinson Bryant Agency provides umbrella insurance coverage designed to extend liability limits beyond standard policies. It offers personalized risk assessment to help clients identify potential gaps in their existing protection and recommends appropriate layers of supplementary coverage. The agency assists with policy maintenance by reviewing individual circumstances and adjusting coverage as needed during annual renewals or life changes. It services a diverse mix of properties including single-family homes, apartments, retail spaces, and restaurants in Montgomery, AL.
Homeowners, landlords, and small business owners in Montgomery turn to Freeway Insurance for umbrella coverage that extends liability protection beyond standard policy limits. This local agency helps clients consolidate excess liability from auto, home, and commercial policies into one manageable layer of security. Umbrella insurance is essential for shielding assets against costly lawsuits or major claims. Freeway Insurance also serves clients throughout the greater River Region, including the neighboring communities of Prattville and Wetumpka.
Mims Insurance Agency Inc in Montgomery, Alabama provides umbrella liability coverage for homeowners, businesses, and property managers who require extra financial protection beyond standard policies. Their services include securing additional layers of insurance that safeguard assets from major claims or lawsuits. The agency works closely with clients to assess risk and recommend appropriate coverage limits. It also serves individuals and commercial entities across the East Montgomery area, including the neighboring communities of Pike Road.
Local Insurance Group, located in Montgomery, Alabama, serves clients throughout the River Region and its surrounding communities, handling policies that protect assets beyond standard homeowners and auto coverage by offering personal umbrella liability insurance. This coverage is designed to provide an additional layer of protection against major claims and lawsuits that might exceed the limits of a primary policy. For a typical client, the company first reviews their existing liability exposures and policy limits before recommending a specific coverage amount that can help safeguard their savings and future earnings.
As an umbrella insurance agent, Global Insurance and Services LLC offers specialty liability coverage that extends beyond the limits of standard auto and homeowners policies. This service protects clients in Montgomery, Alabama, from major claims and lawsuits that could otherwise result in significant financial loss. The company also provides general guidance on structuring comprehensive personal liability protection. When resident liability risks increase during the frequent storms and holiday gatherings common to the fall and winter seasons in Montgomery, this extra layer of coverage helps safeguard personal assets.
As spring storms bring hail and wind to Montgomery, securing excess liability coverage becomes a practical concern for many homeowners. Go Insurance Agency in Montgomery, AL, helps local residents address these needs through umbrella insurance agent services. The agency reviews existing auto and homeowners policies to identify vulnerability gaps and quotes standalone umbrella policies that extend protection above standard personal liability limits. A risk-free initial consultation includes a policy review and a thorough assessment of current assets to determine appropriate coverage thresholds.
Jim Horne Insurance Agency, Inc. in Montgomery, AL primarily handles one-time umbrella policy purchases for additional personal liability coverage, while also managing scheduled renewals for clients who require ongoing protection above their standard home and auto policies. These policies provide extra layers of coverage when existing limits are exhausted, a common need for local residents with assets to protect. Service runs on both a one-time and scheduled renewal basis depending on the client's request.
Harm Dennis Bradshaw, Inc serves the Montgomery, Alabama area with general insurance services. Its specialty includes providing umbrella insurance coverage that offers additional liability protection beyond standard policies. Clients can secure extra layers of financial safety against significant claims or lawsuits. Harmon Dennis Bradshaw, Inc helps both individuals and businesses manage risk exposure effectively. The company assists commercial sectors such as offices, warehouses, and food service operations with their liability needs.
Belcher Agency Inc in Montgomery, AL provides residential umbrella insurance coverage to help homeowners protect against major liability claims. The agency also serves commercial clients in the local area who require additional liability layers beyond standard policies. Their focus is on helping policyholders secure these extra protections during infrequent high-risk situations. Regular policy owners often check back with the agency to adjust their umbrella coverage alongside any changes in their primary insurance needs between periodic renewals.
What Does an a Umbrella Insurance Agent in Montgomery Cost?
The cost of an umbrella insurance policy in Alabama typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Factors that affect the premium include your driving record, the number of properties you own, and your underlying policy limits. Costs can be higher for those with multiple vehicles or rental properties. This is general information and not insurance advice.
About umbrella insurance agents in Montgomery
Umbrella insurance agents in Montgomery, Alabama help you secure additional liability coverage that goes beyond your auto or homeowners policy limits. This extra layer of protection can be vital in Alabama, where state law requires minimum auto liability limits that may not cover a serious accident. Agents in Montgomery can explain how umbrella policies work with your existing coverage to safeguard your savings and future earnings.
Frequently Asked Questions
What does an umbrella insurance agent in Montgomery do?
An umbrella insurance agent helps you purchase a personal liability policy that provides coverage above the limits of your underlying home and auto policies. In Alabama, this extra coverage can protect you from large claims or lawsuits that exceed your standard policy limits.
How much umbrella coverage do I need in Alabama?
The amount of umbrella coverage you need depends on your assets and risk level. Many agents recommend at least 1 million dollars in coverage, but Alabama residents with significant assets or high-risk activities may require more. An agent can help you assess your specific situation.
Is umbrella insurance required by Alabama law?
No, Alabama law does not require umbrella insurance. However, Alabama requires minimum auto liability coverage of 25,000 dollars per person and 50,000 dollars per accident. An umbrella policy can provide essential extra protection beyond these low state minimums.