The top-rated umbrella insurance agent in Palm Bay, Florida is Jeff Thummel - State Farm Insurance Agent, rated 4.9 stars across 561 reviews. Other highly rated options include Ryan Hill - State Farm Insurance Agent, Space Coast Family Insurance, Patriot Growth Insurance Service, LLC. This directory lists 19 umbrella insurance agents serving Palm Bay.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jeff Thummel - State Farm Insurance Agent | 4951 Babcock St NE Ste 5 | (321) 727-3992 |
| 2 | Ryan Hill - State Farm Insurance Agent | 1460 Baytree Dr Suite D | (321) 723-1444 |
| 3 | Space Coast Family Insurance | 2105 Palm Bay Rd NE Unit 3 215 | (321) 655-3920 |
| 4 | Patriot Growth Insurance Service, LLC | 1430 Palm Bay Rd NE Suite A and B | (321) 725-1440 |
| 5 | Joe Raley - State Farm Insurance Agent | 5030 Minton Rd #1 | (321) 723-0333 |
| 6 | Sarpoolaki Insurance Center,LLC | 277 Malabar Rd SE | (321) 914-0303 |
| 7 | GreatFlorida Insurance: Sabrina Lee | 4651 Babcock St NE # 17 | (321) 724-4409 |
| 8 | Brightway Insurance, The DeJesus Legacy Agency | 3200 Dixie Hwy NE Ste 7 | (321) 257-4045 |
| 9 | Monty McCart: Allstate Insurance | 820 Palm Bay Rd NE #111 | (321) 724-8851 |
| 10 | Access One Insurance (AOI) | 1900 Palm Bay Rd NE | (321) 676-4118 |
Jeff Thummel - State Farm Insurance Agent serves the Palm Bay, Florida area, providing umbrella insurance policies designed to extend liability coverage beyond standard home and auto limits. This agent works with clients to assess risks and secure added protection for unexpected incidents. The office focuses on helping residents understand how personal umbrella policies can shield their assets. Common services include writing new umbrella coverage and reviewing existing policies to ensure adequate personal liability limits.
Ryan Hill - State Farm Insurance Agent provides umbrella insurance for homeowners, businesses, and property managers in Palm Bay, Florida. This company helps clients protect their assets by offering additional liability coverage beyond standard policies for major claims or lawsuits. The team also guides customers through selecting appropriate policy limits to match their personal financial exposure. Additional support is available regarding how umbrella policies interact with existing home or auto insurance. The agency covers the surrounding Brevard County communities, including Melbourne.
Space Coast Family Insurance serves Palm Bay and the surrounding communities in Brevard County, providing umbrella insurance agents who handle excess liability coverage for local residents. This type of policy extends protection beyond standard home and auto policies, helping clients safeguard their assets against major claims or lawsuits. The company approaches each job by carefully assessing a client’s existing insurance limits and personal risk exposure to recommend an appropriate layer of additional coverage.
Patriot Growth Insurance Service, LLC provides comprehensive umbrella insurance agent services to clients in Palm Bay, Florida. The agency assists individuals and businesses in evaluating their existing liability coverage, advising on appropriate excess limits to protect assets, and processing policy applications with carriers. Ongoing plan reviews help ensure coverage remains aligned with changing risk profiles and local market conditions. The firm serves a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Joe Raley - State Farm Insurance Agent in Palm Bay, FL, distinguishes between one-time policy setups and recurring annual renewals for umbrella insurance, which provides extended liability coverage beyond standard policies. This additional protection helps safeguard personal assets against major claims or lawsuits that exceed underlying limits. Service for new clients occurs on a one-time basis for initial policy selection, while existing policyholders receive scheduled annual reviews to adjust coverage as circumstances change, and claims assistance is available as needed.
Sarpoolaki Insurance Center, LLC in Palm Bay, FL, specializes in offering umbrella insurance agents who provide extended liability coverage beyond standard home and auto policies. The firm generally assists clients in securing protection against major claims and lawsuits. Beyond routine policy reviews, the agency also helps address seasonal concerns such as elevated liability risks from holiday gatherings or out-of-town visitors, ensuring Floridians maintain robust coverage during hurricane season and other high-exposure periods throughout the year.
As hurricane season approaches in Palm Bay, residents often review their liability coverage. GreatFlorida Insurance: Sabrina Lee serves as an umbrella insurance agent, helping clients secure additional protection beyond standard policies. This supplementary coverage can address gaps left by home or auto insurance, offering broader financial safeguards. For those with substantial assets or potential legal exposure, an umbrella policy provides essential backing. To begin the process, the agent typically conducts an initial assessment of existing coverage to identify specific needs for added liability limits.
Brightway Insurance, The DeJesus Legacy Agency in Palm Bay, FL, serves residential clients by tailoring umbrella policies to extend personal liability coverage beyond standard home insurance limits. For commercial accounts, the agency offers similar additional liability layers, helping to protect business assets from large claims. Their service area covers the surrounding region. The team is available to review current policies upon request and will follow up with clients between regular visits to ensure coverage remains adequate.
Monty McCart: Allstate Insurance provides general insurance services to individuals and businesses in the Palm Bay, Florida area, with a specialty in offering umbrella liability coverage as a key add-on. This type of policy extends additional protection beyond standard auto and home policies, safeguarding clients from major claims and lawsuits. The agency can serve a range of commercial sectors including offices, warehouses, and food service operations that require higher liability limits.
Access One Insurance, based in Palm Bay, Florida, is known for providing umbrella insurance agent services in the area. The agency helps clients secure additional liability coverage beyond standard home and auto policies, protecting assets from major claims or lawsuits. It serves local residents and businesses seeking broader financial protection against unforeseen risks. These policies can bundle with existing plans for simplified management. As a specialty service, the agency can also assist with excess liability coverage for high-net-worth clients.
What Does an a Umbrella Insurance Agent in Palm Bay Cost?
The cost of an umbrella insurance policy in Florida typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 million or 5 million dollars, may cost more depending on your risk profile and the number of underlying policies. Factors like driving record, property value, and claims history affect the premium. This is general information and not insurance advice.
About umbrella insurance agents in Palm Bay
An umbrella insurance agent in Palm Bay, Florida can help you secure additional liability coverage beyond standard homeowners and auto policies. Florida law requires minimum auto liability limits, but an umbrella policy provides extra protection against lawsuits and large claims. Local agents understand the unique risks of living in a coastal community, such as hurricane-related property damage and increased liability from watercraft or rental properties.
Frequently Asked Questions
What does an umbrella insurance policy cover in Palm Bay Florida?
An umbrella policy provides extra liability coverage above your existing home and auto insurance limits. It covers claims like bodily injury, property damage, and personal injury lawsuits. In Florida, it can also protect against claims from accidents on your boat or rental property.
How much umbrella insurance do I need in Palm Bay?
Most Florida agents recommend at least 1 million dollars in umbrella coverage. The amount you need depends on your assets, income, and potential risks. A local agent can review your situation to suggest an appropriate limit.
Do I need umbrella insurance if I have a pool or boat in Palm Bay?
Yes, having a pool, boat, or rental property increases your liability risk in Florida. Umbrella insurance helps cover legal costs and settlements if someone is injured on your property or in an accident involving your watercraft. Florida law does not require umbrella insurance, but it is strongly advised for asset protection.
Umbrella Insurance Agents in Other Florida Cities
Altamonte Springs · Apopka · Boca Raton · Bonita Springs · Boynton Beach · Bradenton · Brandon · Cape Coral · Clearwater · Clermont · Coconut Creek · Cooper City · Coral Gables · Coral Springs · Crestview