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HomeUmbrella Insurance AgentsKentucky › Louisville

Find Umbrella Insurance Agents Near You in Louisville, KY

Browse umbrella insurance agents serving Louisville, Kentucky. Updated 2026-07-14.

The top-rated umbrella insurance agent in Louisville, Kentucky is Aspen Ridge Insurance, LLC, rated 5.0 stars across 610 reviews. Other highly rated options include RLP Insurance, The Insurance Artist LLC, Hyland Insurance. This directory lists 33 umbrella insurance agents serving Louisville.

Showing 33 umbrella insurance agents in Louisville, KYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Aspen Ridge Insurance, LLC9850 Von Allmen Ct #201(502) 233-2272
2RLP Insurance4360 Brownsboro Rd(502) 428-7267
3The Insurance Artist LLC9700 Bunsen Pkwy(502) 830-9176
4Hyland Insurance9750 Ormsby Station Rd Suite 200(502) 637-4733
5Commonwealth Insurance Services12000 Shelbyville Rd(502) 813-5436
6Schwartz Insurance Group2950 Breckenridge Ln STE 8A(502) 451-1111
7Price Point Insurance Services5427 Bardstown Rd #3(502) 290-5061
8Family Select Insurance6409 Dutchmans Pkwy(502) 454-7283
9Louisville Kentucky Insurance6801 Dixie Hwy Unit 237(502) 447-3711
10Lincoln Insurance Agency214 Breckenridge Ln Suite 101(502) 897-3300
AR
9850 Von Allmen Ct #201
Aspen Ridge Insurance, LLC
Umbrella Insurance Agent · Louisville, KY

Aspen Ridge Insurance, LLC serves the Louisville, Kentucky metro area and surrounding counties with professional umbrella insurance agent services. The firm assists local clients in securing personal liability coverage that extends beyond standard policies, offering protection against major claims and lawsuits. Additional coverage shields assets and future earnings when underlying home or auto policy limits have been exhausted. The company handles excess liability insurance for high-net-worth individuals and landlords requiring broader protection.

RI
4360 Brownsboro Rd
RLP Insurance
Umbrella Insurance Agent · Louisville, KY

RLP Insurance offers personal umbrella liability coverage in Louisville, Kentucky, providing an extra layer of protection beyond standard home and auto policies. This service extends to medical payments, legal defense costs, and claims involving bodily injury or property damage. RLP Insurance assists clients with policy selection to align coverage limits with individual risk exposure. No specific maintenance plans are advertised; the emphasis is on annual policy review and adjustment as client circumstances change. The company serves property owners of single-family homes, apartments, retail spaces, and restaurants.

IA
9700 Bunsen Pkwy
The Insurance Artist LLC
Umbrella Insurance Agent · Louisville, KY

The Insurance Artist LLC in Louisville, KY provides residential umbrella insurance to protect local homeowners with additional liability coverage beyond standard policies. The agency also offers commercial umbrella policies for Louisville businesses needing broader risk protection. Serving the Louisville area, they focus on helping clients secure extra coverage that extends across auto, home, and other underlying policies. Policyholders can receive follow-up guidance or adjust their coverage between regular service visits to account for life changes or new assets.

HI
9750 Ormsby Station Rd Suite 200
Hyland Insurance
Umbrella Insurance Agent · Louisville, KY

With heavy spring storms often threatening Louisville properties, umbrella insurance provides crucial extra liability protection beyond standard policies. Hyland Insurance assists local homeowners and drivers in assessing their need for this supplemental coverage. An agent explains how catastrophic events or accidents can exceed underlying policy limits. The company focuses on clearly communicating the additional protection umbrella policies offer against major claims. A full review of existing auto and home insurance is the first step before any coverage is bound, ensuring adequate layers are in place for Louisville residents.

CI
12000 Shelbyville Rd
Commonwealth Insurance Services
Umbrella Insurance Agent · Louisville, KY

Commonwealth Insurance Services in Louisville, Kentucky provides umbrella insurance coverage designed to offer additional liability protection beyond standard home and auto policies. Its service approach focuses on evaluating a client’s existing coverage limits and recommending appropriate supplemental layers. The company offers ongoing policy reviews to ensure clients remain adequately protected as their assets or circumstances change. Commonwealth Insurance Services serves single‑family homes, apartments, retail establishments, and local restaurants.

SI
2950 Breckenridge Ln STE 8A
Schwartz Insurance Group
Umbrella Insurance Agent · Louisville, KY

Schwartz Insurance Group provides umbrella insurance to homeowners, businesses, and property managers in Louisville, Kentucky. This type of policy offers additional liability coverage beyond standard limits, protecting clients from major claims and lawsuits. The agency structures these layers of insurance to coordinate with underlying home, auto, and commercial policies. Many local clients choose umbrella coverage for financial security against unforeseen incidents on their properties. Schwartz Insurance Group also extends its services to policyholders in neighboring Jefferson County and the surrounding metro communities.

PP
5427 Bardstown Rd #3
Price Point Insurance Services
Umbrella Insurance Agent · Louisville, KY

Serving Louisville, Kentucky, and the surrounding communities, Price Point Insurance Services handles personal umbrella liability coverage designed to extend protection beyond standard auto and homeowners policies. These policies provide crucial additional liability limits for severe accidents or unforeseen claims on an insured property. For each client, the agency reviews individual risk exposure to recommend an appropriate level of supplemental coverage, ensuring broad financial protection against major lawsuits. This typically involves assessing current underlying policy limits and a client's specific asset profile.

FS
6409 Dutchmans Pkwy
Family Select Insurance
Umbrella Insurance Agent · Louisville, KY

Family Select Insurance provides personal and commercial risk management services to clients throughout the Louisville, KY area. As an umbrella insurance agent, the company specializes in offering excess liability coverage that extends beyond the limits of standard home or auto policies, protecting policyholders from major claims and lawsuits. This specialized layer of coverage is designed for individuals and businesses seeking additional financial security. The agency can serve a variety of commercial sectors, including offices, warehouses, and food service operations, tailoring its supplemental liability solutions to their specific operational needs.

LK
6801 Dixie Hwy Unit 237
Louisville Kentucky Insurance
Umbrella Insurance Agent · Louisville, KY

Louisville Kentucky Insurance offers umbrella insurance coverage that extends liability protection beyond the limits of standard home and auto policies, providing additional financial safeguards for policyholders. This one-time purchase secures ongoing coverage, as the policy remains active unless canceled or lapsed. When your primary policy limits are exhausted, the umbrella layer activates to protect assets and future earnings from major claims or lawsuits, including those for bodily injury or property damage. These liability services are available for residents in Louisville, Kentucky, and operate on an as-needed basis for initial policy setup.

LI
214 Breckenridge Ln Suite 101
Lincoln Insurance Agency
Umbrella Insurance Agent · Louisville, KY
KS
8003 Shelbyville Rd
Kentucky Shield Insurance
Umbrella Insurance Agent · Louisville, KY
(502) 214-7092
kyshield.com
IA
806 Stone Creek Pkwy STE 1
Independent Agents of Kentucky
Umbrella Insurance Agent · Louisville, KY
(502) 459-8880
weinsurekentucky.com
DW
12200 Shelbyville Rd #112
DICK WATTS INSURANCE
Umbrella Insurance Agent · Louisville, KY
(502) 245-3625
dickwattsinsurance.com
CR
11820 Ransum Dr #201
Claude Reynolds Insurance Agency Inc.
Umbrella Insurance Agent · Louisville, KY
(502) 933-2255
claudereynoldsinsurance.com
SR
101 Bullitt Ln #205
Stephanie Ross at Comparion Insurance Agency
Umbrella Insurance Agent · Louisville, KY
(502) 710-0560
comparioninsurance.com/insurance-agent/kentucky/louisville-0541/stephanie-ross
MI
4220 Bardstown Rd
Monocle Insurance
Umbrella Insurance Agent · Louisville, KY
(502) 371-2256
monocleinsurance.com
PM
3103 Breckenridge Ln STE 6
Palacio Miller Insurance Agency
Umbrella Insurance Agent · Louisville, KY
(502) 459-8780
palaciomilleragency.com
OK
915 Lily Creek Rd
Old Kentucky Insurance, Inc.
Umbrella Insurance Agent · Louisville, KY
(502) 451-8800
oldkentuckyinsurance.com
CI
7321 New La Grange Rd Suite140
Cornerstone Insurance Agency, LLC
Umbrella Insurance Agent · Louisville, KY
(502) 503-4356
louisvilleinsurancehelp.com
JB
101 Bullitt Ln Suite 205
Jessica Brown Smith at Comparion Insurance Agency
Umbrella Insurance Agent · Louisville, KY
(502) 710-0548
comparioninsurance.com/insurance-agent/kentucky/louisville-0541/jessicabrownsmith
KP
101 Bullitt Ln #205
Karla Pastrana at Comparion Insurance Agency
Umbrella Insurance Agent · Louisville, KY
(502) 710-0556
comparioninsurance.com/insurance-agent/kentucky/louisville-0541/karla-pastrana
FD
9322 Taylorsville Rd STE 4B
Fusting & Dugan Insurance LLC
Umbrella Insurance Agent · Louisville, KY
(502) 267-7066
fustingandduganins.com
KF
10518 Watterson Trail
Kentucky Farm Bureau Insurance
Umbrella Insurance Agent · Louisville, KY
(502) 266-6610
kyfb.com/jefferson/jeffersontown
OI
901 Lily Creek Rd Suite 2A
Owens Insurance Agency
Umbrella Insurance Agent · Louisville, KY
(502) 423-1611
libertycompany.com/locations/kentucky/louisville
DI
4050 Westport Rd UNIT 206
Dolack Insurance Agency
Umbrella Insurance Agent · Louisville, KY
(502) 333-0577
dolackinsurance.com
SI
4165 Westport Rd Ste 201 A
Shelter Insurance - Larissa Spears
Umbrella Insurance Agent · Louisville, KY
(502) 897-1684
shelterinsurance.com/CA/agent/LSPEARS
KF
201 S Sherrin Ave
Kentucky Farm Bureau Insurance
Umbrella Insurance Agent · Louisville, KY
(502) 893-1877
kyfb.com/jefferson/st-matthews
BB
3046 Breckenridge Ln # 201
Burke & Burke Insurance Services
Umbrella Insurance Agent · Louisville, KY
(502) 456-0331
burkeandburkeins.com
AA
2015 Herr Ln Ste E
The Ahrens Agency
Umbrella Insurance Agent · Louisville, KY
(502) 552-5761
theahrensagency.com
ST
10511 Watterson Trail
State
Umbrella Insurance Agent · Louisville, KY
(502) 385-4338
LI
3944 Taylorsville Rd
Louisville Insurance Agency
Umbrella Insurance Agent · Louisville, KY
(502) 354-5505
UP
9319 Taylorsville Rd
Underwood Parrish & Associates
Umbrella Insurance Agent · Louisville, KY
(502) 267-6949
underwoodparrish.com
BI
2509 Plantside Dr
Bratcher Insurance Services
Umbrella Insurance Agent · Louisville, KY
(502) 749-2674
bratcherinsurance.com

What Does an a Umbrella Insurance Agent in Louisville Cost?

The cost for an umbrella insurance policy in Kentucky typically ranges from 150 to 400 dollars per year for 1 million dollars of coverage. Higher limits such as 2 million or 5 million dollars will cost more but the per-million-dollar rate usually decreases. Factors like your driving record number of properties and claims history affect the premium. This is general information and not insurance advice.

About umbrella insurance agents in Louisville

An umbrella insurance agent in Louisville Kentucky helps you secure additional liability coverage that kicks in after your auto or homeowners policy limits are exhausted. Kentucky law requires minimum auto liability limits of 25/50/25 but a serious accident can quickly exceed those amounts. Local agents can tailor a policy to cover your specific risks including rental properties or recreational vehicles common in the Bluegrass region.

Frequently Asked Questions

What does an umbrella insurance agent in Louisville do?

An umbrella insurance agent in Louisville helps you evaluate your personal liability exposure and purchase a policy that provides extra coverage above your existing home and auto insurance. They assess your assets such as your home savings and future income to recommend an appropriate coverage limit. The agent also explains how Kentucky liability laws affect your policy.

How much umbrella coverage do I need in Kentucky?

The amount of umbrella coverage you need depends on your total net worth and potential lawsuit risks. Many Kentucky agents suggest at least 1 million dollars in coverage to protect against major claims. A higher limit may be wise if you own rental properties have a swimming pool or employ household staff.

Can I add umbrella coverage to my existing Kentucky policy?

Yes most Louisville agents can add an umbrella policy to your existing home and auto insurance from the same company. You usually need to have minimum underlying liability limits on your auto and homeowners policies. Your agent will review your current coverage to ensure it meets the carrier requirements before binding the umbrella policy.

Umbrella Insurance Agents in Other Kentucky Cities

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.