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 Tempe, AZ

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

The top-rated umbrella insurance agent in Tempe, Arizona is Lindsay Sapanaro - State Farm Insurance Agent, rated 4.9 stars across 571 reviews. Other highly rated options include Riseson Insurance, AALL Insurance, InsuranceWizard.Ai. This directory lists 20 umbrella insurance agents serving Tempe.

Showing 20 umbrella insurance agents in Tempe, AZListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lindsay Sapanaro - State Farm Insurance Agent5410 S Lakeshore Dr(480) 347-9106
2Riseson Insurance64 E Broadway Rd STE 200, Office 285(602) 460-5470
3AALL Insurance2737 West Southern Avenue, S 48th St #14(602) 233-3333
4InsuranceWizard.Ai2173 E Warner Rd Ste 103(480) 820-2797
5AZ Insurance Team442 E Southern Ave(480) 535-5709
6Sharon Layman - State Farm Insurance Agent4411 S Rural Rd Ste 104(480) 345-2886
71st Insurance Group2033 E Warner Rd STE 102(480) 883-9977
8Inszone Insurance Services1231 W Warner Rd #104(480) 961-0101
9Ayala Insurance2747 W Southern Ave # 9(602) 443-5505
10Hayden & Hayden Agency, Inc.5225 S McClintock Dr C(480) 345-7226
LS
5410 S Lakeshore Dr
Lindsay Sapanaro - State Farm Insurance Agent
Umbrella Insurance Agent · Tempe, AZ

Lindsay Sapanaro - State Farm Insurance Agent serves Tempe and the surrounding Maricopa County area, offering umbrella insurance coverage. This type of policy provides additional liability protection beyond standard home and auto insurance limits. An umbrella policy can help safeguard assets and future earnings against major claims or lawsuits. The agency assists clients in assessing their personal liability risks and securing appropriate coverage levels. Services include policy customization to fit individual needs and claims support following a covered incident. The agency also handles commercial umbrella policies for local businesses.

RI
64 E Broadway Rd STE 200, Office 285
Riseson Insurance
Umbrella Insurance Agent · Tempe, AZ

Riseson Insurance provides umbrella insurance agency services to clients throughout the Tempe, Arizona area. It helps individuals and businesses secure liability coverage that extends beyond standard auto and homeowners policies. The company assists clients in reviewing existing plans to identify potential gaps in protection. Service plans are tailored to offer additional layers of financial security against major claims and lawsuits. Riseson Insurance services a variety of properties, including single-family homes, apartment complexes, retail spaces, and local restaurants.

AI
2737 West Southern Avenue, S 48th St #14
AALL Insurance
Umbrella Insurance Agent · Tempe, AZ
IA
2173 E Warner Rd Ste 103
InsuranceWizard.Ai
Umbrella Insurance Agent · Tempe, AZ

InsuranceWizard.Ai serves Tempe and the surrounding communities in the Phoenix metropolitan area, handling a wide range of personal umbrella insurance needs. It provides additional liability coverage that extends beyond the limits of standard homeowners and auto policies. The agency focuses on helping clients protect their assets from major claims or lawsuits. For a typical job, it reviews the client’s existing liability coverage to identify gaps and then creates a customized umbrella policy that offers an extra layer of financial protection.

AI
442 E Southern Ave
AZ Insurance Team
Umbrella Insurance Agent · Tempe, AZ

AZ Insurance Team serves homeowners, businesses, and property managers in Tempe, Arizona, who require additional liability protection beyond their standard policies. The firm specializes in umbrella insurance, a type of excess liability coverage that extends limits beyond underlying auto, home, or commercial policies. This extra layer of coverage is often necessary for those with significant assets to protect against large claims. The company assists clients in evaluating potential risks and obtaining appropriate policy limits. Its service area also includes nearby Chandler in the southeastern Phoenix metro.

SL
4411 S Rural Rd Ste 104
Sharon Layman - State Farm Insurance Agent
Umbrella Insurance Agent · Tempe, AZ

Sharon Layman, a local umbrella insurance agent in Tempe, Arizona, distinguishes between one-time policy setup consultations and recurring service options to manage evolving liability needs. Umbrella coverage extends beyond standard home and auto policies to provide additional financial protection against major claims or lawsuits. General information is available through the Tempe office regarding how umbrella insurance applies to pet incidents, rental properties, or watercraft. Service runs on an as-needed basis so clients can schedule reviews after life changes like purchasing a home or starting a business.

1I
2033 E Warner Rd STE 102
1st Insurance Group
Umbrella Insurance Agent · Tempe, AZ

In the desert heat, sudden monsoon storms can damage property and create liability risks for Phoenix-area homeowners. 1st Insurance Group, based in Tempe, serves clients seeking umbrella insurance coverage for extra protection beyond standard policies. Their agents evaluate each client’s overall risk profile, including auto and homeowners policies, to recommend appropriate liability layers. The process begins with a complimentary coverage review to identify potential gaps before suggesting a customized umbrella policy.

II
1231 W Warner Rd #104
Inszone Insurance Services
Umbrella Insurance Agent · Tempe, AZ

Inszone Insurance Services, located in Tempe, Arizona, distinguishes between a one-time umbrella policy and scheduled annual renewals that adjust coverage as a client’s assets grow. As an umbrella insurance agent, the company provides additional liability protection that extends beyond the limits of standard auto, homeowners, or watercraft policies. This extra coverage safeguards against major claims and lawsuits, offering a buffer for unforeseen events. The service operates on both a one-time initial setup and as a scheduled annual basis, ensuring policies remain current with changing personal circumstances.

AI
2747 W Southern Ave # 9
Ayala Insurance
Umbrella Insurance Agent · Tempe, AZ

Ayala Insurance provides customized umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Based in Tempe, AZ, this agency works with clients to protect assets against large claims or lawsuits that could otherwise cause financial loss. It evaluates individual risk profiles, coordinating with existing insurers to fill coverage gaps. Residents planning oversized holiday gatherings or purchasing new recreational vehicles often seek its guidance on reducing exposure to potential legal claims arising from accidents on their property.

HH
5225 S McClintock Dr C
Hayden & Hayden Agency, Inc.
Umbrella Insurance Agent · Tempe, AZ

Hayden & Hayden Agency, Inc. provides insurance services to clients throughout the Tempe area. Its specialists focus on personal umbrella insurance policies that extend liability protection beyond standard home and auto coverage limits. The agency also assists commercial clients with additional liability layers. These tailored policies help safeguard businesses against major claims and lawsuits. The agency can serve various commercial sectors, including offices, warehouses, and food service establishments.

TB
9180 S Kyrene Rd Suite 117
Thomas Boughton Agency Inc American Family Insurance
Umbrella Insurance Agent · Tempe, AZ
(480) 497-0842
amfam.com/agents/arizona/tempe/thomas-boughton
RI
2700 W Baseline Rd
Rilax Insurance
Umbrella Insurance Agent · Tempe, AZ
(602) 453-9000
myrilax.com
OI
4500 S Lakeshore Dr # 341
Oracle Insurance Group, Inc.
Umbrella Insurance Agent · Tempe, AZ
(623) 777-9728
oracleig.com
PI
2033 E Warner Rd # 112
Peoples Insurance
Umbrella Insurance Agent · Tempe, AZ
(480) 386-1120
peoplesins.net
SI
60 E Rio Salado Pkwy #900
Schaefer Insurance Group
Umbrella Insurance Agent · Tempe, AZ
(480) 621-2254
schaeferinsurancegroup.com
OI
1553 W Todd Dr # 107
Ozzy Insurance Group
Umbrella Insurance Agent · Tempe, AZ
(480) 716-4463
ozzyinsurancegroup.com
GD
7520 S Rural Rd Ste A5
Geoffrey D Gross Agency Inc American Family Insurance
Umbrella Insurance Agent · Tempe, AZ
(480) 820-0077
amfam.com/agents/arizona/tempe/Geoffrey-Weiss
TI
2302 S McClintock Dr
Tempe Insurance Agency Co.
Umbrella Insurance Agent · Tempe, AZ
(602) 497-4273
AA
59 E Southern Ave
All Arizona Insurance
Umbrella Insurance Agent · Tempe, AZ
(520) 253-8934
WI
4645 S Lakeshore Dr STE 9
Warburton Insurance Services
Umbrella Insurance Agent · Tempe, AZ
(480) 759-4101
warburtonins.com

What Does an a Umbrella Insurance Agent in Tempe Cost?

The cost of an umbrella insurance policy in Arizona typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million may cost 300 to 800 dollars annually. Factors like your driving record home value and number of properties affect the premium. This is general information not insurance advice.

About umbrella insurance agents in Tempe

An umbrella insurance agent in Tempe Arizona helps you secure extra liability protection beyond your standard auto or home policy. Arizona law does not require umbrella insurance but it can shield your savings and future income from large lawsuits. Tempe residents often seek this coverage due to the high number of drivers and the risk of accidents near Arizona State University.

Frequently Asked Questions

What does an umbrella insurance agent in Tempe do?

An umbrella insurance agent helps you buy a personal liability policy that kicks in after your auto or home insurance limits are used up. The agent reviews your assets and risk factors to recommend an appropriate coverage amount. This service is especially useful for homeowners or those with rental properties in Maricopa County.

How much umbrella insurance do I need in Arizona?

Most agents suggest at least 1 million dollars in umbrella coverage for homeowners or drivers with significant assets. Arizona courts can award large judgments in personal injury cases so higher limits like 2 to 5 million may be wise for high net worth individuals. Your agent will calculate the right amount based on your home value savings and income.

Are there Arizona laws that affect umbrella insurance?

Arizona follows a pure comparative fault rule which means you can recover damages even if you are partially at fault. This increases the chance of lawsuits against you. Arizona also has a 2 year statute of limitations for personal injury claims making umbrella coverage a practical safeguard for Tempe residents.

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.