The top-rated umbrella insurance agent in Lake Havasu City, Arizona is Alex Ross - State Farm Insurance Agent, rated 4.9 stars across 255 reviews. Other highly rated options include World Insurance Associates LLC, Farmers Insurance - Anthony Oskolkoff, Richards Nygren Insurance. This directory lists 20 umbrella insurance agents serving Lake Havasu City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Alex Ross - State Farm Insurance Agent | 2138 McCulloch Blvd N | (928) 855-7677 |
| 2 | World Insurance Associates LLC | 94 Acoma Blvd S # 102 | (866) 277-7162 |
| 3 | Farmers Insurance - Anthony Oskolkoff | 84 Acoma Blvd N Ste 102 | (928) 733-6098 |
| 4 | Richards Nygren Insurance | 2126 McCulloch Blvd N #15 | (928) 398-2126 |
| 5 | Dan Firth American Family Insurance | 2110 McCulloch Blvd N Ste 1 | (928) 855-1109 |
| 6 | Deborah J Miller - State Farm Insurance Agent | 1600 McCulloch Blvd N #1B | (928) 854-6693 |
| 7 | Berolina Insurance Group LLC - Jamie Hindley Licensed Life & Health Agent | 2119 McCulloch Blvd N | (928) 764-8779 |
| 8 | Hollowell Insurance Agency: Allstate Insurance | 500 N Lake Havasu Ave STE B102 | (928) 566-6031 |
| 9 | Aldridge Insurance Services | 430 Lake Havasu Ave #102 | (928) 855-1247 |
| 10 | Crest Insurance Group | 430 El Camino Way | (928) 857-4884 |
Alex Ross - State Farm Insurance Agent serves the Lake Havasu City, Arizona area as an umbrella insurance agent. This agency offers personal umbrella policies that provide extra liability coverage above standard auto and home insurance limits. Such policies help protect clients from large claims or lawsuits that could exceed their primary coverage. The agency also assists local residents in tailoring umbrella coverage to match their unique assets and risk exposure. It handles personal umbrella insurance and supplemental liability protection for Lake Havasu City clients.
World Insurance Associates LLC provides comprehensive umbrella insurance solutions for individuals and businesses in the Lake Havasu City area, broadening liability coverage beyond standard policies to protect against major claims and lawsuits. Its service plans include personalized policy assessments to identify coverage gaps and regular policy reviews to ensure limits remain adequate as assets or risks grow. The agency services a wide range of properties, including single-family homes, apartments, retail establishments, and restaurants.
Farmers Insurance - Anthony Oskolkoff serves local homeowners, businesses, and property managers in Lake Havasu City, Arizona, who require specialized umbrella insurance coverage. This agency provides additional liability protection that extends beyond the limits of standard home or auto policies, helping to safeguard personal assets and future earnings against major claims or lawsuits. Clients seeking extra peace of mind can rely on this office for straightforward professional guidance on policy options. The agency also covers neighboring communities in the greater Mohave County area, including Parker.
Richards Nygren Insurance serves clients in Lake Havasu City and the surrounding Mohave County communities, handling personal umbrella insurance policies. The agency works to provide an extra layer of liability coverage beyond standard home and auto policies. Each policy is assessed individually, with an emphasis on identifying the proper coverage limits to match the client’s specific asset exposure and risk profile. The approach involves a careful review of existing underlying policies before recommending a tailored umbrella solution that aligns with the client’s financial protection goals.
Dan Firth American Family Insurance provides umbrella insurance agent services, offering supplemental liability coverage that extends beyond standard policy limits for added financial protection. In Lake Havasu City, AZ, the agency assists clients in safeguarding assets against substantial claims, while also offering general insurance guidance to local residents and businesses. This specialized protection becomes especially important during the active boating and off-road vehicle season, when elevated recreational activities increase the risk of higher-liability incidents.
Deborah J Miller in Lake Havasu City, AZ offers umbrella insurance as both a one-time policy for added liability protection and as a recurring annual renewal for continuous coverage beyond standard home and auto limits. This coverage extends personal liability safety nets over existing policies, safeguarding assets from major claims or lawsuits. Service typically operates on an as-needed basis for initial consultation and purchase, with scheduled annual reviews for existing clients to adjust coverage as circumstances change.
Berolina Insurance Group LLC - Jamie Hindley Licensed Life & Health Agent in Lake Havasu City, AZ provides general umbrella insurance coverage solutions for individuals and businesses. These policies offer additional layers of liability protection beyond standard base policies, helping to safeguard assets from major claims and lawsuits. The agency specializes in tailoring umbrella add-ons to fit unique risk profiles. It serves commercial sectors including offices, warehouses, and food service operations.
With summer monsoon storms and rising water levels along the Colorado River, Lake Havasu City homeowners often seek additional liability protection. Hollowell Insurance Agency: Allstate Insurance provides umbrella insurance policies that extend beyond standard home or auto coverage, guarding against major claims or lawsuits. Their agents review clients’ existing policies to identify gaps and recommend appropriate umbrella limits. The process begins with a free consultation and a thorough evaluation of your current assets and risk exposure.
Aldridge Insurance Services in Lake Havasu City, AZ is known for offering personalized umbrella insurance policies that extend liability limits beyond standard home and auto plans. The agency serves residents and businesses seeking extra financial protection against major claims and lawsuits. Its coverage typically fills gaps left by underlying policies, safeguarding assets such as savings and property. Clients often start with a basic liability package. A specialty service Aldridge can add on is coverage for recreational watercraft liability.
Crest Insurance Group serves Lake Havasu City residents seeking umbrella insurance for their personal property and liability needs. The agency also provides commercial umbrella policies designed to protect local businesses against catastrophic claims. Their coverage extends throughout the greater Lake Havasu City area, addressing excess liability gaps present in standard homeowners and commercial policies. Customers find it convenient to coordinate their increased protection limits through a single local agent. Clients often return to update coverage amounts during routine policy reviews or before leasing out a vacation home between regular visits.
What Does an a Umbrella Insurance Agent in Lake Havasu City Cost?
The cost of umbrella insurance in Arizona typically ranges from 150 to 350 dollars per year for 1 million dollars in coverage. Premiums can be higher for individuals with multiple vehicles, rental properties, or a history of claims. Costs vary based on your insurer and personal risk factors. This is general information and not insurance advice.
About umbrella insurance agents in Lake Havasu City
Umbrella insurance agents in Lake Havasu City help residents secure extra liability coverage that goes beyond auto and homeowners policies. Arizona law requires minimum liability limits for drivers, but umbrella policies can provide additional protection for assets. This coverage is especially useful for those with property or recreational vehicles common in the Lake Havasu area.
Frequently Asked Questions
What does an umbrella insurance agent in Lake Havasu City do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims above your standard policy limits. They assess your assets and risk factors to recommend appropriate coverage amounts. This service is valuable for protecting savings and future earnings from large lawsuits.
Do I need umbrella insurance in Arizona?
Arizona does not require umbrella insurance by law, but it is often recommended for individuals with significant assets or high liability risks. Arizona follows a pure comparative negligence rule, meaning you can be held liable for a portion of damages even if you are partly at fault. Umbrella coverage helps protect against these potential financial losses.
How much umbrella insurance coverage should I get in Lake Havasu City?
Most agents recommend starting with 1 million dollars in umbrella coverage, as it is typically affordable and provides substantial protection. Higher limits of 2 to 5 million dollars may be suitable for those with multiple properties or businesses. Your agent can help you choose a limit based on your personal assets and risk profile.
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