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Find Umbrella Insurance Agents Near You in Palm Bay, FL

Browse umbrella insurance agents serving Palm Bay, Florida. Updated 2026-07-14.

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.

Showing 19 umbrella insurance agents in Palm Bay, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Jeff Thummel - State Farm Insurance Agent4951 Babcock St NE Ste 5(321) 727-3992
2Ryan Hill - State Farm Insurance Agent1460 Baytree Dr Suite D(321) 723-1444
3Space Coast Family Insurance2105 Palm Bay Rd NE Unit 3 215(321) 655-3920
4Patriot Growth Insurance Service, LLC1430 Palm Bay Rd NE Suite A and B(321) 725-1440
5Joe Raley - State Farm Insurance Agent5030 Minton Rd #1(321) 723-0333
6Sarpoolaki Insurance Center,LLC277 Malabar Rd SE(321) 914-0303
7GreatFlorida Insurance: Sabrina Lee4651 Babcock St NE # 17(321) 724-4409
8Brightway Insurance, The DeJesus Legacy Agency3200 Dixie Hwy NE Ste 7(321) 257-4045
9Monty McCart: Allstate Insurance820 Palm Bay Rd NE #111(321) 724-8851
10Access One Insurance (AOI)1900 Palm Bay Rd NE(321) 676-4118
JT
4951 Babcock St NE Ste 5
Jeff Thummel - State Farm Insurance Agent
Umbrella Insurance Agent · Palm Bay, FL

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.

RH
1460 Baytree Dr Suite D
Ryan Hill - State Farm Insurance Agent
Umbrella Insurance Agent · Palm Bay, FL

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.

SC
2105 Palm Bay Rd NE Unit 3 215
Space Coast Family Insurance
Umbrella Insurance Agent · Palm Bay, FL

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.

PG
1430 Palm Bay Rd NE Suite A and B
Patriot Growth Insurance Service, LLC
Umbrella Insurance Agent · Palm Bay, FL

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.

JR
5030 Minton Rd #1
Joe Raley - State Farm Insurance Agent
Umbrella Insurance Agent · Palm Bay, FL

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.

SI
277 Malabar Rd SE
Sarpoolaki Insurance Center,LLC
Umbrella Insurance Agent · Palm Bay, FL

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.

GI
4651 Babcock St NE # 17
GreatFlorida Insurance: Sabrina Lee
Umbrella Insurance Agent · Palm Bay, FL

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.

BI
3200 Dixie Hwy NE Ste 7
Brightway Insurance, The DeJesus Legacy Agency
Umbrella Insurance Agent · Palm Bay, FL

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.

MM
820 Palm Bay Rd NE #111
Monty McCart: Allstate Insurance
Umbrella Insurance Agent · Palm Bay, FL

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.

AO
1900 Palm Bay Rd NE
Access One Insurance (AOI)
Umbrella Insurance Agent · Palm Bay, FL

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.

WI
5240 Babcock St NE #300b
We Insure Pinnacle
Umbrella Insurance Agent · Palm Bay, FL
(321) 326-6160
weinsurepinnacle.com
RI
4961 Babcock St NE STE 7
Renegade Insurance - Palm Bay
Umbrella Insurance Agent · Palm Bay, FL
(321) 450-3076
renegadeinsurance.com/agency/palm-bay
JI
5270 Babcock St NE Suite 11B
Just Insurance Brokers
Umbrella Insurance Agent · Palm Bay, FL
(321) 345-5999
justinsurancebrokers.com/contact/palm-bay-fl-insurance
CI
190 Malabar Rd SW #122
Clover Insurance Agency
Umbrella Insurance Agent · Palm Bay, FL
(321) 725-6837
cloverinsuranceagency.com
DF
4640 Lipscomb St STE 19
Drive Florida Insurance & Services, LLC
Umbrella Insurance Agent · Palm Bay, FL
(772) 448-0946
dflinsuranceservices.net/%20%20%20%20%20%20deannelindo@dflinsuranceservices.net
SF
1037 Cepheus Pl NW
South Florida Insurance Brokers - Medicare Experts now also in Central Florida
Umbrella Insurance Agent · Palm Bay, FL
(786) 303-8065
sfib.net/palm-bay-florida
AI
6050 S Babcock St #17
Advanced Insurance Net
Umbrella Insurance Agent · Palm Bay, FL
(321) 255-1077
ainsurance.biz
PC
2062 Palm Bay Rd NE
Premier Coverage Insurance Inc
Umbrella Insurance Agent · Palm Bay, FL
(321) 323-0336
AA
1805 Canova St SE # 3
Anchor & Atlas Insurance
Umbrella Insurance Agent · Palm Bay, FL
(321) 454-4444
anchoratlasinsurance.com

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.

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.