The top-rated umbrella insurance agent in Pinellas Park, Florida is Joanne Dauphin - State Farm Insurance Agent, rated 5.0 stars across 833 reviews. Other highly rated options include Strategic Insurance Services, Gator Insurance Service, Jerger & Sons Insurance Agency. This directory lists 13 umbrella insurance agents serving Pinellas Park.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Joanne Dauphin - State Farm Insurance Agent | 5315 Park Blvd UNIT C | (727) 256-9511 |
| 2 | Strategic Insurance Services | 4501 Mainlands Blvd W | (866) 467-0123 |
| 3 | Gator Insurance Service | 6390 Park Blvd | (727) 544-0064 |
| 4 | Jerger & Sons Insurance Agency | 7785 66th St N | (727) 449-1494 |
| 5 | Freeway Insurance | 5201 Park Blvd | (727) 203-7005 |
| 6 | ARCW Leavitt Insurance Services | 9067 Belcher Rd | (727) 544-8841 |
| 7 | Estrella Insurance | 7251 49th Street N | (727) 308-3380 |
| 8 | Get Covered USA | 6219 66th St N | (727) 417-5534 |
| 9 | O.E. Wilson Insurance Inc. Largo | 10675 66th St N | (727) 535-0524 |
| 10 | Bay Area Home & Auto Insurance | 8680 49th Street N | (727) 547-1777 |
Joanne Dauphin - State Farm Insurance Agent serves the Pinellas Park, Florida, area with personal insurance solutions. As an umbrella insurance agent, this office helps clients obtain additional liability coverage that extends beyond the limits of their standard auto or homeowners policies. This extra layer of protection can help safeguard assets in the event of a major accident or lawsuit. The agency's main services include assessing individual risk factors and guiding customers through policy options. It specifically handles umbrella policies that coordinate with existing home and auto insurance plans from the same provider.
Homeowners, businesses, and property managers in Pinellas Park, FL find umbrella insurance coverage through Strategic Insurance Services. The agency helps clients protect their assets by providing extra liability protection beyond standard home and auto policy limits. This extra layer of coverage helps safeguard personal savings or business capital from major claims or lawsuits. Strategic Insurance Services also extends its umbrella insurance agent services to residents and commercial clients throughout the greater St. Petersburg metropolitan area.
Gator Insurance Service, an umbrella insurance agent in Pinellas Park, FL, offers liability coverage that extends beyond the limits of standard homeowners and auto policies. The agent works to help clients secure additional financial protection for unexpected claims or lawsuits. Routine policy reviews and coverage evaluations are included to maintain appropriate limits. The agency services a range of properties, including single-family homes, apartments, retail, and restaurants.
Serving Pinellas Park and the surrounding Tampa Bay communities, Jerger & Sons Insurance Agency provides umbrella insurance coverage to local residents and businesses. It handles personal liability protection that extends beyond standard policy limits for auto and homeowners insurance. Addressing financial risks from major accidents or unexpected lawsuits, the agency assesses each client’s unique exposure to determine the appropriate coverage level. It works closely with individuals to secure extra liability layers that shield their assets and future earnings.
Freeway Insurance serves clients in Pinellas Park, Florida, by providing general umbrella insurance coverage that extends liability protection beyond standard policy limits. Its specialty add-ons often include personal umbrella policies and commercial umbrella options for businesses seeking additional financial safeguards. Operating in the local area, the agency addresses excess liability risks that arise from accidents, injuries, or property damage claims. The company can assist commercial sectors such as offices needing extra coverage, warehouses requiring broader liability for goods and equipment, and food service operations managing client or public interactions.
ARCW Leavitt Insurance Services in Pinellas Park, FL provides umbrella insurance directly to individuals, distinguishing one-time policy purchases from recurring service options for ongoing coverage needs. Tailored to residents of the area, these policies offer an additional layer of liability protection that extends beyond standard homeowners or auto coverage. This buffer can help safeguard assets and future income against major claims or lawsuits. Client service for this asset protection runs on a one-time basis for initial policy setup and is available as needed for adjustments or questions thereafter.
Estrella Insurance provides residential umbrella coverage in Pinellas Park, offering an extra layer of liability protection beyond standard homeowners policies. Commercial clients in and around the city also receive similar excess liability coverage tailored to business risks. Serving the local area, the agency structures these policies to defend assets against significant claims. Following an initial policy setup, agents typically reach out for annual coverage reviews, ensuring limits remain aligned with changing assets or liabilities between regular client visits.
Get Covered USA provides specialized umbrella insurance policies that extend liability coverage beyond standard home and auto limits, offering an extra layer of financial protection against major claims and lawsuits. The Pinellas Park, FL agency works with local residents to review risk exposure and secure customized policies for comprehensive asset safeguarding. During the height of Florida’s hurricane season, it helps property owners address the added vulnerability of storm-related liability incidents.
As hurricane season approaches in Pinellas Park, homes and businesses evaluate their need for heightened liability coverage against storm-related property claims and accidents. O.E. Wilson Insurance Inc. Largo serves this need by connecting local clients with umbrella insurance policies that provide added liability layers beyond standard home or auto plans. This agent company explains how excess coverage can protect assets from costly lawsuits resulting from on-property injuries or neighborhood incidents. A representative begins by reviewing the client’s existing policies and assessing personal risk factors during an initial coverage consultation.
What Does an a Umbrella Insurance Agent in Pinellas Park 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 of 2 to 5 million dollars may cost 300 to 1,000 dollars annually. Factors such as your driving record number of properties and prior claims affect the premium. This is general information and not insurance advice.
About umbrella insurance agents in Pinellas Park
An umbrella insurance agent in Pinellas Park Florida helps you secure extra liability coverage beyond standard policies. Florida law requires minimum auto liability limits but does not mandate umbrella insurance. Local agents can explain how umbrella policies protect against lawsuits and major claims common in the Tampa Bay area.
Frequently Asked Questions
What does an umbrella insurance agent in Pinellas Park do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides additional coverage above your auto and homeowners insurance. They assess your assets and risk exposure to recommend appropriate coverage limits. Florida agents must be licensed by the Florida Department of Financial Services.
Do I need umbrella insurance in Florida?
Umbrella insurance is not required by Florida law but is recommended if you have significant assets or face higher liability risks. Florida has no cap on personal injury damages in civil lawsuits which means a single accident could lead to a large judgment. An agent can help you decide based on your net worth and lifestyle.
How does Florida law affect umbrella insurance claims?
Florida follows a pure comparative fault rule meaning you can recover damages even if you are partially at fault. However your compensation is reduced by your percentage of fault. Umbrella insurance can cover these reduced amounts as well as legal defense costs. Florida also has a four-year statute of limitations for most personal injury claims.
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