The top-rated umbrella insurance agent in Tallahassee, Florida is McGinniss Himmel Insurance Agency, rated 5.0 stars across 1,257 reviews. Other highly rated options include Waterhouse Insurance and Financial Services, Alliance Insurance, Woodham Insurance. This directory lists 20 umbrella insurance agents serving Tallahassee.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | McGinniss Himmel Insurance Agency | 2367 Centerville Rd | (850) 329-6996 |
| 2 | Waterhouse Insurance and Financial Services | 2880 Apalachee Pkwy | (850) 412-1099 |
| 3 | Alliance Insurance | 1138 E Tennessee St | (850) 878-9664 |
| 4 | Woodham Insurance | 2286 Wednesday St STE 1 | (850) 597-9503 |
| 5 | Doug Croley Insurance Services | 2814 Remington Green Cir | (850) 386-1922 |
| 6 | Fuqua Insurance Agency | 1836 Hermitage Blvd | (850) 386-2300 |
| 7 | Bridges Insurance Agency | 1913 Capital Cir NE | (850) 354-8900 |
| 8 | Quality Insurance Of Tallahassee | 1225 S Monroe St | (850) 224-6250 |
| 9 | Premier Insurance Agency | 113 S Monroe St | (850) 749-4611 |
| 10 | Kingdom Tree Insurance Group | 113 S Monroe St 1st floor | (850) 339-9520 |
McGinniss Himmel Insurance Agency serves the Tallahassee metro area as an umbrella insurance agent, providing personal liability coverage that extends beyond standard home and auto policies. This extra layer of protection helps clients safeguard assets from major claims or lawsuits. The agency assists local residents and businesses in assessing their risk exposure and securing appropriate policy limits for comprehensive security. It handles personal umbrella policies for excess liability protection on residential properties and commercial umbrella coverage for small business operations in Tallahassee.
Waterhouse Insurance and Financial Services in Tallahassee, Florida provides comprehensive umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Its service approach involves reviewing existing policies to identify coverage gaps and tailoring policy increments to client needs. Routine policy reviews and claim support are included in its maintenance plans to ensure consistent protection. As a local agency, it services single-family homes, apartments, retail storefronts, and restaurants throughout the Tallahassee area.
Alliance Insurance in Tallahassee, Florida, provides residential umbrella liability coverage that extends protection beyond standard homeowners policies to safeguard personal assets. The company also serves commercial clients needing additional coverage layers for business risks, addressing needs throughout Tallahassee and the surrounding region. Clients can consult the agent when reviewing policy limits during life changes or property acquisitions, ensuring consistent comprehensive protection with follow-up service available between regularly scheduled reviews for adjustments or inquiries.
As the first severe thunderstorm watches arrive in Tallahassee each spring, the need for broader liability protection becomes evident to many homeowners and drivers. Woodham Insurance responds by assessing existing policies and identifying gaps that major coverage often leaves exposed. Their role as an umbrella insurance agent focuses on helping clients secure a secondary layer of defense against catastrophic claims, including those from accidents on residential property. This service begins with a careful inventory of current assets and personal risk factors during a complementary initial review of coverage limits.
Doug Croley Insurance Services in Tallahassee, FL, serves homeowners, businesses, and property managers seeking liability protection beyond standard policy limits. The agency specializes in umbrella insurance, providing an additional layer of coverage that safeguards assets from major claims or lawsuits. It assists local clients with evaluating their existing policies to identify gaps in liability protection. Beyond the city, this agency also extends its services to clients in the nearby communities of Woodville and Leon County.
For those seeking liability protection beyond standard policies, Fuqua Insurance Agency in Tallahassee, FL, offers access to umbrella coverage. Unlike a one-time certificate, this service typically involves ongoing annual policy renewals to maintain continuous excess liability protection. Umbrella insurance extends coverage over existing home and auto policies, providing an additional layer for major claims. Their agency understands local liability risks and manages policy administration on either a scheduled or recurring annual basis, ensuring clients remain protected without gaps in coverage. Service runs on an as-needed renewal cycle, not a one-time basis.
Bridges Insurance Agency specializes in umbrella liability coverage, offering an extra layer of protection beyond standard home and auto policies. The agency serves clients throughout Tallahassee, Florida, helping residents and business owners secure additional liability limits against major claims or lawsuits. This coverage is designed to respond when underlying policy limits are exhausted, safeguarding personal assets and future earnings. During the active Atlantic hurricane season, the agency assists local policyholders in ensuring their extended liability protection remains in place against storm-related liability exposures.
Quality Insurance Of Tallahassee serves policyholders in Tallahassee and the surrounding communities of Leon County. The agency handles umbrella insurance, which provides extra liability coverage that extends beyond the limits of standard home and auto policies. This added protection helps safeguard personal assets from major claims and lawsuits. When assessing a client’s needs, the agency reviews existing underlying policies and recommends an appropriate coverage amount to close any gaps in protection. It then coordinates the policy issuance with the client’s primary insurers to ensure seamless layering of liability limits.
Premier Insurance Agency in Tallahassee handles a wide array of insurance needs, then specializes in recommending umbrella liability policies that provide extended protection beyond standard coverage limits. This added layer of coverage helps safeguard personal and business assets against major claims and lawsuits. The company advises clients on coverage amounts and exclusions tailored to their specific risks. Its services support commercial sectors, including offices that require broad liability protection, warehouses with higher exposure to property damage, and food service operations facing frequent public interaction.
What Does an a Umbrella Insurance Agent in Tallahassee Cost?
The cost of an umbrella insurance policy in Florida typically ranges from $150 to $500 per year for $1 million in coverage. Factors like your driving record, number of properties, and claims history affect the premium. For higher limits of $2 million or more, annual costs can range from $250 to $800. This is general information and not insurance advice.
About umbrella insurance agents in Tallahassee
Umbrella insurance agents in Tallahassee help residents secure extra liability coverage beyond standard home and auto policies. In Florida, where hurricane and flood risks are high, umbrella policies can protect against large claims from accidents on your property or auto incidents. These policies typically start at $1 million in coverage and are essential for homeowners with significant assets.
Frequently Asked Questions
What does an umbrella insurance agent in Tallahassee do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides coverage above your existing home and auto insurance limits. They assess your risk factors such as property value and number of vehicles to recommend appropriate coverage amounts.
Do I need umbrella insurance in Florida?
Florida law does not require umbrella insurance, but it is strongly recommended if you have substantial assets or face high liability risks. Florida has a high rate of lawsuits related to auto accidents and property damage, making umbrella coverage a valuable safeguard.
How much umbrella coverage should I get in Tallahassee?
Most agents recommend at least $1 million in umbrella coverage for homeowners in Tallahassee. Higher limits of $2 million to $5 million may be advisable if you own rental properties, have a swimming pool, or engage in activities like boating that increase liability exposure.
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