The top-rated umbrella insurance agent in Owensboro, Kentucky is T.H.E Insurance Group, rated 4.8 stars across 131 reviews. Other highly rated options include Shelter Insurance - Krystal Roark Caudill, Elevate Insurance Agency Inc, Owensboro Insurance Agency. This directory lists 20 umbrella insurance agents serving Owensboro.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | T.H.E Insurance Group | 745 Carlton Dr | (270) 240-1835 |
| 2 | Shelter Insurance - Krystal Roark Caudill | 2600 Veach Rd B | (270) 686-6116 |
| 3 | Elevate Insurance Agency Inc | 3118 Alvey Park Dr E Ste 4 | (270) 682-0001 |
| 4 | Owensboro Insurance Agency | 328 Legion Blvd W | (270) 685-5360 |
| 5 | Elite Risk Advisors | 111 W 3rd St Ste 2 | (270) 225-4445 |
| 6 | WD Insurance | 2410 W Parrish Ave | (270) 240-2268 |
| 7 | THE Insurance Group by Drew Young | 745 Carlton Dr | (812) 608-0649 |
| 8 | AAA Owensboro Insurance and Member Services | 1600 Frederica St | (270) 683-8034 |
| 9 | River City Insurance Agency | 800 Frederica St | (270) 216-8975 |
| 10 | Neely Insurance Agency LLC | 2120 Frederica St | (270) 213-6394 |
T.H.E Insurance Group serves the Owensboro, Kentucky, metro area and surrounding counties as an umbrella insurance agent. The agency helps property owners and drivers protect their assets by offering liability coverage that extends beyond standard auto and homeowners policies. Clients receive guidance on selecting appropriate supplementary limits to address possible gaps in existing coverage. This support is valuable for those seeking to safeguard savings, investments, or future earnings from large claims or lawsuits. The company handles personal umbrella policies and stand-alone excess liability insurance for local residents.
Shelter Insurance - Krystal Roark Caudill serves homeowners, businesses, and property managers seeking umbrella insurance protection in Owensboro, Kentucky. This agency provides personalized coverage solutions that extend liability limits beyond standard policies, offering an extra layer of financial security against unexpected claims. Clients appreciate the thorough evaluation of their existing insurance needs to determine appropriate additional coverage levels. The agency also serves clients in the surrounding communities of Daviess County, including Philpot and Utica, ensuring local property owners have access to expanded liability protection options.
Elevate Insurance Agency Inc serves clients in Owensboro, Kentucky, and the surrounding Daviess County communities. As an umbrella insurance agent, the firm handles excess liability coverage that extends beyond the limits of standard homeowners and auto policies. It focuses on offering broader protection for individuals and families seeking additional financial security against large claims or lawsuits. To assess a typical job, the agency first reviews existing primary insurance policies and personal assets to recommend an appropriate level of extra liability coverage.
Owensboro Insurance Agency provides umbrella insurance solutions designed to extend liability coverage beyond standard policies for Owensboro, KY, area clients. It offers comprehensive service plans that include personalized risk assessments to tailor coverage amounts, policy bundling for existing home and auto insurance, and attentive claims support when needed. The firm handles the specific paperwork required for seamless integration of umbrella policies with primary insurance. It services single-family homes, apartments, retail, and restaurants.
Elite Risk Advisors in Owensboro, KY, provides umbrella insurance coverage on both a one-time and a recurring service basis. To meet broad liability needs, their policies extend protection beyond standard home and auto limits, covering claims for bodily injury, property damage, and personal legal costs. Defending against major lawsuits or costly incidents, this additional layer safeguards assets from sudden financial exposure. Service availability is structured to run on an as-needed basis, allowing clients to secure extra protection only when circumstances require it.
As seasons change in Owensboro, local homeowners and small businesses often consider whether their existing liability coverage is sufficient against unexpected claims. WD Insurance serves this need as an umbrella insurance agent in Owensboro, Kentucky, helping clients secure an extra layer of protection beyond standard policies. Their work addresses gaps left by auto and homeowner coverage, providing broader limits for major incidents. An initial assessment of current policies and risk factors is the first step, and WD Insurance conducts this evaluation to identify appropriate coverage options for each situation.
As an umbrella insurance agent, THE Insurance Group by Drew Young helps clients protect assets beyond standard policy limits. Operating in Owensboro, KY, the company specializes in providing this additional liability coverage as a supplement to existing homeowners, auto, or watercraft insurance policies. Umbrella policies are designed to cover legal fees and settlements arising from major accidents or incidents. This coverage extends to safeguard businesses as well, making the agency a resource for protecting commercial interests such as offices, warehouses, and food service operations.
AAA Owensboro Insurance and Member Services specializes in providing umbrella insurance policies that extend liability coverage beyond standard home and auto limits. The agency serves clients throughout Owensboro, KY, helping them protect assets from major claims or lawsuits. This type of coverage can offer peace of mind for individuals seeking additional security. The agency assists customers in evaluating their personal risk exposure and selecting appropriate policy limits. As the end of the year approaches, this service becomes particularly relevant for those reviewing their coverage before holiday gatherings and winter driving conditions.
River City Insurance Agency serves residential clients in Owensboro, KY, helping them protect their personal assets against major liability claims. For commercial clients, the agency offers umbrella coverage to extend existing liability policies, shielding businesses from unforeseen financial exposures. The agency serves the greater Owensboro area and surrounding communities. Clients are encouraged to reach out between routine visits to discuss changes in life or business that may require policy adjustments or to schedule follow-up consultations.
Neely Insurance Agency LLC in Owensboro, KY is known for providing umbrella insurance coverage that extends liability protection beyond standard policies for added security. The agency serves clients seeking to safeguard assets and future earnings against major claims and lawsuits. Umbrella agents in this area typically help homeowners, auto owners, and renters assess their personal risk exposure. A specialty service it can add on is personal liability coverage for dog bites or pool accidents.
What Does an a Umbrella Insurance Agent in Owensboro Cost?
The cost of umbrella insurance in Kentucky generally ranges from 150 to 300 dollars per year for one million dollars in coverage. Higher limits may cost 200 to 500 dollars annually. 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 Owensboro
An umbrella insurance agent in Owensboro Kentucky can help you add a layer of liability protection beyond your auto and home policies. Kentucky law does not require umbrella insurance but it can be valuable for those with significant assets or higher risk. Local agents understand the specific liability risks in Daviess County and can tailor coverage to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Owensboro do?
An umbrella insurance agent in Owensboro helps you purchase a personal umbrella policy that provides extra liability coverage above your existing auto and homeowners limits. The agent assesses your assets and risk profile to recommend an appropriate coverage amount. This policy can protect you from lawsuits and claims that exceed your primary insurance limits.
Do I need umbrella insurance in Kentucky?
Kentucky does not require umbrella insurance by law but it is recommended if you have substantial assets or face higher liability risks. For example if you own rental property or have a swimming pool you may benefit from extra coverage. An agent can help you decide based on your personal situation.
How much umbrella coverage can I get in Owensboro?
Umbrella policies in Kentucky typically start at one million dollars in coverage and can go up to five million or more. The amount you choose depends on your net worth and potential liability exposure. An Owensboro agent can help you select a limit that fits your needs.
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