The top-rated umbrella insurance agent in Florence, Kentucky is Rollins Insurance, rated 5.0 stars across 611 reviews. Other highly rated options include Broker Brothers & Co., Randy Watkins at Comparion Insurance Agency, Amber Ison at Comparion Insurance Agency. This directory lists 22 umbrella insurance agents serving Florence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rollins Insurance | 7000 Houston Rd STE 8 | (859) 781-7283 |
| 2 | Broker Brothers & Co. | 1521 Cavalry Dr Ste 201 | (859) 207-7738 |
| 3 | Randy Watkins at Comparion Insurance Agency | Executive Center, 500 Meijer Dr #207 | (859) 594-6697 |
| 4 | Amber Ison at Comparion Insurance Agency | Executive Center, 500 Meijer Dr #207 | (859) 594-6690 |
| 5 | C.K. Ash Insurance | 8620 US-42 | (859) 384-5200 |
| 6 | Shepherd Insurance | 234 Main St | (859) 371-7006 |
| 7 | Barnes Insurance Group | 7600 Dixie Hwy | (859) 586-8055 |
| 8 | Adkisson Insurance Agency | 1511 Cavalry Dr # 101 | (859) 341-2663 |
| 9 | Mitchell Insurance Agency | 7711 Ewing Blvd #400 | (859) 525-4006 |
| 10 | Crescent Insurance LLC | 6901 Burlington Pike | (859) 283-5433 |
Rollins Insurance serves homeowners and businesses in Boone County and the surrounding northern Kentucky area from its Florence location. As an umbrella insurance agent, the company helps clients obtain additional liability coverage that extends beyond the limits of standard homeowners or auto policies. This extra protection covers claims that might otherwise threaten personal assets. The agent works with local carriers to match policyholders with appropriate coverage gaps. When clients need higher liability limits, Rollins Insurance secures umbrella policies that handle major lawsuits or significant property damage claims.
Broker Brothers & Co. provides comprehensive umbrella insurance agent services for clients in Florence, KY, offering guidance on additional liability coverage that extends beyond standard home and auto policies. Their service approach includes evaluating individual risk profiles to recommend appropriate policy limits and assisting with claims coordination. Maintenance plans focus on periodic policy reviews to ensure coverage adapts to changing client circumstances. They service a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Randy Watkins at Comparion Insurance Agency serves homeowners, businesses, and property managers across Florence, Kentucky, offering umbrella insurance policies to provide additional liability coverage above standard limits. These policies help protect assets from major claims or lawsuits that might exhaust underlying insurance. As a local resource, the agency guides clients in evaluating their exposure and selecting appropriate extra coverage. It also addresses needs for those with rental properties or higher net worth. Its service area extends to surrounding communities such as Union and the broader Boone County region.
Amber Ison at Comparion Insurance Agency in Florence, KY offers umbrella insurance on a one-time basis to secure a single policy, or through scheduled renewals for ongoing liability coverage that extends beyond standard home and auto limits. This service protects policyholders from major financial loss due to accidents or lawsuits exceeding their underlying insurance. Service runs on either a one-time purchase option or a scheduled renewal basis as needed.
C.K. Ash Insurance provides umbrella liability insurance to clients in Florence, Kentucky, as well as the surrounding communities in Boone County and the greater Cincinnati metro area. The agency handles policies that offer extra personal liability coverage beyond standard home and auto limits. It approaches each job by first reviewing a client’s existing primary policies to identify potential coverage gaps. It then customizes an umbrella plan to address those specific financial exposures, working to ensure sufficient protection against major claims.
Shepherd Insurance offers specialized umbrella insurance services in Florence, KY, providing extra liability coverage beyond standard policies. The agency also handles general insurance needs for individuals and families throughout the local area. These policies add a layer of financial protection for assets and future income. A common concern they address is the increased liability risk during winter months, when icy sidewalks or driveways can cause injuries and lawsuits, making additional coverage especially valuable for homeowners in the region.
As spring storms bring hail and heavy rain to Boone County, homeowners in Florence often find gaps in their standard coverage. Barnes Insurance Group offers umbrella insurance policies that provide additional liability protection beyond existing home and auto limits. Their knowledgeable team works with clients to assess risks such as pool ownership or home-based businesses. An agent carefully reviews current policies to identify vulnerabilities, then recommends appropriate coverage amounts. The process begins by scheduling a complimentary liability review and discussing your assets and daily activities.
Adkisson Insurance Agency in Florence, KY, serves residential clients seeking personal umbrella coverage to extend liability protection beyond standard policies. The agency also assists commercial clients in safeguarding their business assets with similar excess liability policies. Service is provided throughout the Florence area and the wider Northern Kentucky region. Clients can rely on the agency for follow-up or repeat service between regular visits, ensuring their coverage remains appropriate as their personal or business circumstances evolve.
Mitchell Insurance Agency in Florence, Kentucky, provides standard liability coverage and specializes in umbrella insurance policies that extend protection beyond primary limits. This additional layer of coverage safeguards individuals and businesses from major claims and lawsuits. The agency works with clients in the region to address risk exposure for personal and commercial assets. It serves a variety of commercial sectors, including offices, warehouses, and food service operations, tailoring policy options to meet distinct needs within each category.
What Does an a Umbrella Insurance Agent in Florence Cost?
Umbrella insurance in Kentucky typically costs between 150 and 300 dollars per year for one million dollars in coverage. Additional million dollar increments may cost 75 to 150 dollars each. Premiums vary based on your driving record, number of properties, and claims history. This is general information and not insurance advice.
About umbrella insurance agents in Florence
Umbrella insurance agents in Florence Kentucky help you add a layer of liability protection beyond your home and auto policies. Kentucky law requires minimum auto liability limits of 25/50/10 but a personal umbrella policy can cover excess claims and certain lawsuits. Local agents can explain how umbrella coverage interacts with Kentucky's comparative fault rules.
Frequently Asked Questions
What does an umbrella insurance agent in Florence do?
An umbrella insurance agent in Florence helps you assess your liability risks and find a policy that covers claims above your primary insurance limits. They review your assets and recommend coverage amounts that fit your situation.
Do I need umbrella insurance in Kentucky?
Umbrella insurance is not required by Kentucky law but is recommended if you have significant assets or face higher lawsuit risks. Kentucky follows a pure comparative fault rule which means you could be liable for damages even if you are only partially at fault.
How much umbrella coverage should I get in Florence?
Most agents suggest starting with one million dollars in umbrella coverage. The right amount depends on your net worth, income, and lifestyle. Your Florence agent can help you evaluate your specific needs.
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