ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Umbrella Insurance Agents Near You in Surprise, AZ

Browse umbrella insurance agents serving Surprise, Arizona. Updated 2026-07-14.

The top-rated umbrella insurance agent in Surprise, Arizona is William Kohl - State Farm Insurance Agent, rated 4.9 stars across 537 reviews. Other highly rated options include Oasis Insurance, American Insurance Benefits - Andy Orlikoff, InsuranceBeacon.com. This directory lists 18 umbrella insurance agents serving Surprise.

Showing 18 umbrella insurance agents in Surprise, AZListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1William Kohl - State Farm Insurance Agent18789 N Reems Rd Ste 200(623) 546-1124
2Oasis Insurance12751 W Bell Rd Suite 129(623) 435-4082
3American Insurance Benefits - Andy Orlikoff14955 W Bell Rd #8031(623) 742-3878
4InsuranceBeacon.com15270 W Brookside Ln Ste 125(623) 584-0071
5Guillermo Morales - State Farm Insurance Agent14763 Cactus Rd #108(623) 594-2845
6Moore Insurance Agency15282 W Brookside Ln(623) 556-1576
7Giles & Iten Insurance11503 W Bell Rd Suite C(623) 201-8570
8The LaChance Insurance Agency14245 W Grand Ave Ste 3(623) 400-9800
9Aabar Insurance Services, Inc.15027 W Bell Rd # 150(623) 594-8209
10HealthMarkets Insurance Broker - Polly Chan16054 W Shaw Butte Dr(602) 316-9913
WK
18789 N Reems Rd Ste 200
William Kohl - State Farm Insurance Agent
Umbrella Insurance Agent · Surprise, AZ

William Kohl - State Farm Insurance Agent serves the Surprise, Arizona metro area, offering umbrella insurance policies that provide additional liability coverage beyond standard auto and homeowners limits. As a local agent, this office helps clients protect their assets and future income from major claims or lawsuits. The agency handles policy selection tailored to individual needs, explaining how umbrella coverage extends worldwide. It specifically assists with personal liability protection and related risk management options for area residents.

OI
12751 W Bell Rd Suite 129
Oasis Insurance
Umbrella Insurance Agent · Surprise, AZ

Oasis Insurance provides comprehensive umbrella liability coverage to clients in Surprise, Arizona, offering supplementary protection that extends beyond standard home and auto policy limits. Its service model involves evaluating individual risk profiles to ensure sufficient excess liability coverage for unforeseen incidents. Scheduled maintenance of policies includes annual reviews of asset values and liability exposures to adjust coverage as circumstances change. The company handles claims coordination with underlying insurers during covered events. It services policies for single-family homes, apartments, retail spaces, and restaurants.

AI
14955 W Bell Rd #8031
American Insurance Benefits - Andy Orlikoff
Umbrella Insurance Agent · Surprise, AZ

American Insurance Benefits - Andy Orlikoff serves homeowners, property managers, and businesses in Surprise, Arizona, providing umbrella liability coverage that extends beyond standard policy limits. This additional protection helps clients safeguard personal assets and buffer against major claims or lawsuits. The agency offers professional guidance in assessing appropriate coverage levels and designing customized liability solutions for evolving needs. Its services also reach neighboring communities throughout the West Valley region of the Phoenix metropolitan area, including Peoria and Sun City West.

IC
15270 W Brookside Ln Ste 125
InsuranceBeacon.com
Umbrella Insurance Agent · Surprise, AZ

InsuranceBeacon.com serves Surprise, Arizona and the surrounding Phoenix metro communities, handling umbrella insurance agent services for local residents and businesses. The company helps clients secure liability coverage that extends beyond the limits of standard home and auto policies. To protect assets and mitigate financial risk, the agency assesses each individual’s unique exposure levels and recommends appropriate coverage amounts. To handle a typical job, it gathers detailed information about the client’s existing insurance policies and evaluates potential liability gaps before presenting tailored solutions.

GM
14763 Cactus Rd #108
Guillermo Morales - State Farm Insurance Agent
Umbrella Insurance Agent · Surprise, AZ

For umbrella insurance in Surprise, AZ, one-time service provides immediate liability coverage beyond existing auto or homeowners policies, while recurring options maintain continuous protection against major claims. These policies handle catastrophic lawsuits when other limits are exhausted, covering legal defense costs and judgments. Guillermo Morales - State Farm Insurance Agent works with clients to assess their need for higher limits versus the peace of mind that ongoing coverage offers. Service runs on a scheduled policy basis with annual renewal reviews, or may be requested as-needed following significant asset changes.

MI
15282 W Brookside Ln
Moore Insurance Agency
Umbrella Insurance Agent · Surprise, AZ

Moore Insurance Agency provides umbrella liability insurance services in Surprise, Arizona, helping clients secure extended coverage beyond standard home and auto policies. It works with individuals and families to address risks that could exceed primary policy limits, such as serious accidents or property damage claims. The firm also offers general guidance on protecting personal assets through broader liability protection. During the monsoon season, it assists local residents in evaluating their coverage against potential flood-related liability incidents.

GI
11503 W Bell Rd Suite C
Giles & Iten Insurance
Umbrella Insurance Agent · Surprise, AZ

The monsoon season in Surprise brings sudden liability risks from wind and water damage. Giles & Iten Insurance addresses this exposure with private umbrella policies that extend coverage beyond auto and homeowners limits. Their agents in Surprise evaluate local property values and recreational assets when structuring plans. The process begins with a free inspection of current policies to identify gaps and determine appropriate umbrella coverage levels for the household or business.

LI
14245 W Grand Ave Ste 3
The LaChance Insurance Agency
Umbrella Insurance Agent · Surprise, AZ

The LaChance Insurance Agency in Surprise, Arizona, offers general liability and property coverage for local businesses and individuals. As a specialist, the agency provides umbrella insurance to extend policy limits above underlying policies for added protection against major claims or lawsuits. Its services focus on helping clients manage significant liability exposures from everyday operations or unforeseen incidents. The agency works with commercial accounts in sectors including professional offices, warehouses, and food service establishments.

AI
15027 W Bell Rd # 150
Aabar Insurance Services, Inc.
Umbrella Insurance Agent · Surprise, AZ

Aabar Insurance Services, Inc. handles residential umbrella insurance needs for clients in Surprise, Arizona, offering additional liability protection above standard homeowners policies. The company also assists with commercial umbrella coverage for local businesses seeking broader risk management across the area. Service extends throughout Surprise and surrounding communities. Clients typically return for policy adjustments and coverage reviews between regular renewal visits to maintain adequate limits as their assets change.

HI
16054 W Shaw Butte Dr
HealthMarkets Insurance Broker - Polly Chan
Umbrella Insurance Agent · Surprise, AZ

HealthMarkets Insurance Broker - Polly Chan in Surprise, AZ, is known for connecting clients with umbrella insurance policies that extend liability protection beyond standard home and auto coverage. The firm serves individuals and families seeking additional financial safeguards against unexpected lawsuits or claims. General umbrella insurance agents in this area typically assess a client’s existing policies to recommend suitable liability limits. A specialty service that can be added on includes excess liability coverage for high-net-worth properties or recreational vehicles, ensuring comprehensive risk management across multiple assets.

FI
16630 W Greenway Rd Ste 324
Farmers Insurance - Mary Hofstetter
Umbrella Insurance Agent · Surprise, AZ
(623) 444-5776
agents.farmers.com/az/surprise/mary-hofstetter
SI
15278 W Bell Rd #109
Scheller Insurance Agency LLC
Umbrella Insurance Agent · Surprise, AZ
(623) 217-5576
schellerinsuranceagency.com
SI
13474 N Autoshow Ave
Sands Insurance Agency: Allstate Insurance
Umbrella Insurance Agent · Surprise, AZ
(623) 455-7707
agents.allstate.com/sands-insurance-agency-surprise-az-3344527.html
SI
15495 N Reems Rd
Surprise insurance agency
Umbrella Insurance Agent · Surprise, AZ
(520) 497-5756
rochellefanner1945.wixsite.com/surprise-insurance-a
FI
16920 W Bell Rd Ste 102
Farmers Insurance - Jon Lance Clements
Umbrella Insurance Agent · Surprise, AZ
(623) 582-2552
agents.farmers.com/az/surprise/jon-lance-clements
SI
15435 W Becker Ln
SML Insurance Brokerage Inc
Umbrella Insurance Agent · Surprise, AZ
(866) 765-4671
smlinsurance.net
AI
16551 N Dysart Rd #104b
Arcadian Insurance Agency Of Arizona LLC
Umbrella Insurance Agent · Surprise, AZ
(623) 455-4148
arcadianins.com
II
11325 W Bell Rd ste 250
Integra Insurance Group
Umbrella Insurance Agent · Surprise, AZ
(623) 322-5955
iigroupinc.com

What Does an a Umbrella Insurance Agent in Surprise Cost?

The cost of an umbrella insurance policy in Arizona typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars can cost 300 to 1,500 dollars annually. Your premium depends on factors like your home value, number of vehicles, driving record, and whether you have a pool or trampoline. This is general information and not insurance advice.

About umbrella insurance agents in Surprise

An umbrella insurance agent in Surprise, Arizona helps you secure extra liability coverage beyond your home and auto policies. Arizona law does not require umbrella insurance, but it can protect your assets from large claims or lawsuits. Local agents understand the unique risks in Surprise, such as pool ownership and desert recreational activities.

Frequently Asked Questions

What does an umbrella insurance agent in Surprise do?

An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides additional coverage limits. This policy kicks in after your underlying home or auto insurance is exhausted. The agent can explain how Arizona liability laws affect your coverage needs.

How much umbrella coverage do I need in Arizona?

Most agents recommend at least 1 million dollars in umbrella coverage for Arizona homeowners. The amount you need depends on your assets, income, and risk factors like owning a pool or rental property. Your agent can perform a risk assessment to suggest an appropriate limit.

Does umbrella insurance cover legal fees in Arizona?

Yes, umbrella policies typically cover legal defense costs for covered claims in Arizona. This includes attorney fees, court costs, and settlements up to your policy limit. Arizona follows a pure comparative fault rule, so your coverage can help pay damages even if you are partially at fault.

Umbrella Insurance Agents in Other Arizona Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.