The top-rated umbrella insurance agent in Middleburg, Florida is Katherine Baustert - State Farm Insurance Agent, rated 4.9 stars across 308 reviews. Other highly rated options include Rich Morris - State Farm Insurance Agent, Felisha Foote: Allstate Insurance, Brightway Insurance, The Herd Agency. This directory lists 13 umbrella insurance agents serving Middleburg.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Katherine Baustert - State Farm Insurance Agent | 2219 County Rd 220 Suite 301 | (904) 276-2112 |
| 2 | Rich Morris - State Farm Insurance Agent | 2067 Palmetto St | (904) 282-9898 |
| 3 | Felisha Foote: Allstate Insurance | 2640 Blanding Blvd Ste 206 | (904) 406-7838 |
| 4 | Brightway Insurance, The Herd Agency | 14 Swimming Pen Dr Suite 2 | (904) 469-1900 |
| 5 | Brightway Insurance - Middleburg | 2755 Blanding Blvd Ste. 110 | (904) 291-4663 |
| 6 | Liberty DSI | 1646 Corsair Ln #601 | (904) 264-0500 |
| 7 | Roberts Insurance of Middleburg | 2361 Blanding Blvd | (904) 282-7665 |
| 8 | Lyndel Hale Agency - Insurance | 2751 Blanding Blvd Suite 106 | (352) 612-4154 |
| 9 | Erwin Insurance Agency | 2494 Blanding Blvd #9 | (904) 282-7212 |
| 10 | Farm Bureau Insurance | 2000 Henley Rd | (904) 282-0644 |
Katherine Baustert - State Farm Insurance Agent serves the Middleburg, Florida area and nearby Clay County communities. This agency provides umbrella insurance policies designed to offer additional liability coverage beyond standard home and auto limits. The team assists clients in assessing personal risk exposure to select appropriate supplementary protection. They also integrate umbrella policies with existing State Farm home and auto insurance to ensure consistent coverage and simplified claims handling.
Rich Morris - State Farm Insurance Agent in Middleburg, FL, offers individual liability coverage through personal umbrella policies that extend beyond standard home and auto protection. It provides straightforward policy consultation and annual reviews to help ensure adequate coverage limits. Maintenance services include claim support and adjustments as liability needs evolve. The agency serves property owners of single-family homes, apartments, retail locations, and restaurants.
Felisha Foote: Allstate Insurance in Middleburg, FL serves homeowners, property managers, and local business owners seeking extra liability protection. The agency offers customized umbrella insurance solutions designed to cover claims that exceed standard policy limits, helping shield personal assets from potential lawsuits. Coverage extends across auto, renters, and homeowners policies for broader security. Their professional guidance assists clients in evaluating risk exposure and selecting appropriate coverage levels. The agency also provides its expertise to residents and property owners in the neighboring community of Orange Park.
Serving Middleburg, Florida, and the surrounding communities across Clay County, Brightway Insurance, The Herd Agency helps local residents and businesses secure umbrella insurance policies. It handles excess liability coverage that extends beyond the limits of standard homeowners and auto policies. This type of coverage protects against costly lawsuits and major claims that could otherwise wipe out personal assets. The agency takes a detailed, personalized approach to each situation, carefully reviewing a client’s existing insurance to recommend an appropriate amount of added protection for a given risk profile.
Brightway Insurance - Middleburg in Middleburg, Florida offers umbrella insurance on a one-time policy purchase basis as well as through ongoing annual renewals for continuous liability protection. An umbrella policy provides extra coverage above standard home and auto limits, safeguarding assets against major claims or lawsuits. This agency also advises clients on appropriate coverage amounts based on personal risk factors. Service appointments are available on a one-time or as-needed basis, allowing policyholders to adjust their coverage when circumstances change.
Liberty DSI provides umbrella insurance for residential clients in Middleburg, Florida, offering supplementary liability coverage beyond standard homeowners policies. Their commercial umbrella insurance addresses liability risks for local businesses. Service extends across the surrounding region to accommodate both personal and commercial clients. After initial coverage is placed, customers can return for policy adjustments as needs change or schedule periodic consultations to review coverage between regular visits.
Roberts Insurance of Middleburg specializes in securing umbrella liability coverage that extends beyond standard policy limits, offering clients in Middleburg, FL protection against major claims and lawsuits. The agency also provides general risk assessment and policy customization to address a variety of personal and commercial exposure needs. This service becomes particularly valuable during hurricane season, when storm-related property damage can lead to costly third-party liability claims that primary policies may not fully cover.
Lyndel Hale Agency - Insurance provides personal umbrella liability coverage that extends beyond standard home and auto policy limits. This Middleburg agency specializes in supplemental layers of protection against major claims and lawsuits. Its services are designed for individuals seeking broader financial safeguards. The agency can assist residential clients with added security. It also serves commercial sectors, including offices, warehouses, and food service operations, helping them manage liability exposures with higher coverage tiers.
As hurricane season brings heavy rain and wind to Middleburg, Erwin Insurance Agency helps property owners protect their assets with umbrella insurance coverage. This type of policy adds liability protection above the limits of a standard homeowner or auto policy, offering financial security against major claims or lawsuits. The agency serves clients throughout the area who want extra peace of mind against unexpected risks. An initial assessment of personal coverage needs and potential liabilities is completed during the first consultation.
Farm Bureau Insurance in Middleburg, FL, assists homeowners and renters with residential umbrella insurance policies to extend liability coverage beyond standard plans. The agency also offers commercial umbrella policies for local businesses seeking additional protection. Serving customers throughout Middleburg and the surrounding Clay County region, the agency evaluates personal assets and business exposures to recommend appropriate coverage limits. Clients can follow up after a policy is issued and return for routine updates during regular visits to adjust coverage as their situation evolves.
What Does an a Umbrella Insurance Agent in Middleburg Cost?
In Florida umbrella insurance typically costs between 150 and 400 dollars per year for 1 million dollars of coverage. Costs increase with higher limits or additional risks such as multiple properties or teenage drivers. Your premium also depends on the underlying auto and home insurance policies. This is general information and not insurance advice.
About umbrella insurance agents in Middleburg
An umbrella insurance agent in Middleburg Florida can help you secure additional liability coverage that goes beyond your standard auto or homeowners policy. Florida law does not require umbrella insurance but it is valuable for residents with significant assets or those who face higher lawsuit risks. Local agents understand the unique liability exposures in Clay County and can tailor a policy to your needs.
Frequently Asked Questions
What does umbrella insurance cover in Florida?
Umbrella insurance provides extra liability coverage above your auto and home policies. It can cover legal defense costs and settlements for claims like bodily injury or property damage. In Florida this is especially important due to the states high rate of uninsured drivers and litigious environment.
How much umbrella coverage do I need in Middleburg?
Most Florida agents recommend at least 1 million dollars in umbrella coverage. The right amount depends on your net worth income and risk factors like owning a pool or rental property. A local agent can evaluate your specific situation to suggest a limit.
Do I need umbrella insurance if I have no major assets?
Even without major assets umbrella insurance can protect your future earnings from being garnished in a lawsuit. In Florida there is no cap on personal injury damages so a single accident could lead to a large judgment. An agent can explain how umbrella coverage shields your income and savings.
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