The top-rated umbrella insurance agent in Hammond, Indiana is Freeway Insurance, rated 4.9 stars across 716 reviews. Other highly rated options include Jeff Tucker - State Farm Insurance Agent, State Farm: Mike Williams, Ogren Insurance. This directory lists 14 umbrella insurance agents serving Hammond.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Freeway Insurance | 1305 E 165th St | (219) 747-7003 |
| 2 | Jeff Tucker - State Farm Insurance Agent | 2824 173rd St suite g | (219) 844-3155 |
| 3 | State Farm: Mike Williams | 1231 E 165th St | (219) 853-3040 |
| 4 | Ogren Insurance | 6929 Hohman Ave | (219) 933-0076 |
| 5 | Edwin De Jesus - State Farm Insurance Agent | 4515 Hohman Ave | (219) 937-3005 |
| 6 | Kyle Dempsey - State Farm Insurance Agent | 7018 Indianapolis Blvd | (219) 845-1571 |
| 7 | Silcox Insurance Services | 6813 Kennedy Ave | (219) 845-7100 |
| 8 | Ron J. Prestamer Insurance Agency, Inc. | 7207 Indianapolis Blvd Ste. 1 | (219) 844-0103 |
| 9 | Rosenwinkel Insurance | 7114 Calumet Ave | (219) 932-8283 |
| 10 | A L McLaurin Agency LLC American Family Insurance | 5944 1/2 Hohman Ave | (219) 844-1218 |
Freeway Insurance serves the Hammond, Indiana area as a provider of umbrella insurance agent services. An umbrella insurance agent works to help clients secure additional liability coverage that extends beyond the limits of standard homeowners and auto policies. This type of coverage offers crucial protection against major claims and lawsuits. Freeway Insurance handles the assessment of personal liability risks and assists with policy selection from multiple carriers. It also helps clients manage coverage limits for umbrella insurance policies.
Jeff Tucker - State Farm Insurance Agent serves the Hammond, IN area and surrounding regions, offering umbrella insurance agent services. This type of coverage provides an extra layer of liability protection beyond standard home or auto policies. It is designed to help safeguard personal assets and future earnings from major claims or lawsuits. Specific services provided include helping clients assess their existing liability limits and securing additional umbrella coverage to fill potential gaps in protection.
Mike Williams, serving Hammond, IN, provides umbrella insurance agent services, including personal liability coverage and business-related umbrella policies for added protection above standard limits. Maintenance plans involve periodic policy reviews to adjust coverage limits according to changing asset values or risk exposures. He assists with claims guidance and coverage questions to help clients maintain adequate protection. His services cover single-family homes, apartments, retail locations, and restaurants.
Ogren Insurance serves Hammond, Indiana, and the surrounding communities with commercial and personal umbrella insurance coverage. It handles liability protection that extends beyond the limits of standard auto, home, or business policies. A typical job involves assessing an individual’s or business’s existing coverage to identify gaps in asset protection. The agency then secures an additional layer of liability insurance that activates after underlying policy limits are exhausted, helping to safeguard long-term financial stability against major claims or lawsuits.
Homeowners, businesses, and property managers in Hammond, IN can secure added liability protection through stand-alone umbrella policies offered by Edwin De Jesus - State Farm Insurance Agent. These policies extend coverage beyond standard auto and home insurance limits, helping shield assets from major claims. Each policy is discussed individually to match a client's specific risk exposure. The agency also writes policies for properties in neighboring East Chicago.
Located in Hammond, IN, Kyle Dempsey - State Farm Insurance Agent provides umbrella insurance coverage, a service distinct from one-time policies due to its recurring annual premium. This liability coverage extends beyond the limits of standard auto or homeowners policies, offering additional financial protection against major claims. As an umbrella insurance agent, this office assists local customers in evaluating their personal risk exposure and securing appropriate policy limits. Service for existing policies typically operates on an as-needed basis, with annual renewals and updates handled when clients request modifications or face life changes.
Silcox Insurance Services in Hammond, IN provides specialty umbrella insurance coverage designed to extend liability protection beyond standard home and auto policies. The agency works with clients to assess personal risk and secure an additional layer of financial security against major claims or lawsuits. In the Northwest Indiana area, this service is particularly important during severe storm seasons, when property damage and liability risks from fallen trees or ice-related incidents can easily exceed primary policy limits.
As the region moves into late winter and businesses in Hammond begin reviewing their liability coverage for the coming year, Ron J. Prestamer Insurance Agency, Inc. supplies umbrella insurance for local commercial and personal accounts. The agency helps clients determine the right excess coverage to protect assets from large claims. A typical first step involves examining existing underlying policies and assessing individual risk exposure during a complimentary initial consultation.
Rosenwinkel Insurance in Hammond, IN provides residential umbrella insurance, offering additional liability coverage beyond standard homeowners policies. Commercial umbrella coverage is also available for local businesses seeking broader protection. The firm serves clients throughout the Hammond area. Regular policyholders often schedule follow-up appointments to review coverage limits and adjust their plans as needs change between standard insurance renewals.
A L McLaurin Agency LLC American Family Insurance works with individuals and businesses in Hammond to find appropriate liability coverage. It specializes in umbrella insurance, providing an extra layer of protection beyond standard home or auto policies. This coverage helps shield assets against major claims or lawsuits. The agency can assist a variety of commercial sectors, including professional offices, retail and warehouse operations, and food service establishments requiring broader protection.
What Does an a Umbrella Insurance Agent in Hammond Cost?
In Indiana, the average cost for a 1 million dollar umbrella policy ranges from 150 to 300 dollars per year. A 2 million dollar policy may cost 250 to 500 dollars annually. Costs vary based on your home, auto, and personal risk factors. This is general information, not insurance advice.
About umbrella insurance agents in Hammond
An umbrella insurance agent in Hammond, Indiana helps you secure extra liability protection beyond your standard auto and homeowners policies. Indiana law does not require umbrella insurance, but it can cover large claims or lawsuits. Agents in Hammond understand local risks and can tailor coverage to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Hammond do?
An umbrella insurance agent in Hammond helps you buy a personal liability policy that kicks in after your auto or home insurance limits are used up. They assess your assets and risks to recommend appropriate coverage amounts. This is not required by Indiana law but is common for those with significant assets.
How much umbrella coverage do I need in Indiana?
Most agents in Hammond recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth and potential liability. Indiana courts can award damages for personal injury or property damage that exceed standard policy limits. An agent can help you calculate a suitable limit.
Does Indiana have any special rules for umbrella insurance?
Indiana follows a modified comparative fault rule, which means your compensation in a lawsuit can be reduced by your percentage of fault. Umbrella insurance protects your assets if you are found partially at fault. There is no state law requiring umbrella insurance, but it is a common safeguard.
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