The top-rated umbrella insurance agent in Lake Charles, Louisiana is Kelly Lee Insurance, rated 4.6 stars across 231 reviews. Other highly rated options include Goosehead Insurance - James Bice, Goosehead Insurance - Garet Berry, Goosehead Insurance - Jeff Jones. This directory lists 20 umbrella insurance agents serving Lake Charles.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kelly Lee Insurance | 3205 Ryan St | (337) 656-2890 |
| 2 | Goosehead Insurance - James Bice | 417 W College St | (337) 313-2603 |
| 3 | Goosehead Insurance - Garet Berry | 113 W Sallier St | (337) 347-7022 |
| 4 | Goosehead Insurance - Jeff Jones | 4216 Lake St | (225) 960-4370 |
| 5 | Scotty Mathews Ins Agcy Inc | 4640 Nelson Rd | (337) 474-0865 |
| 6 | Insurance Unlimited | 3111 Ryan St | (337) 477-6922 |
| 7 | Curtis Insurance | 509 7th St | (337) 433-1683 |
| 8 | Shelter Insurance - Ross Byrley | 4566 Lake St | (337) 478-8349 |
| 9 | Chris Duncan Agency Inc | 502 E College St | (337) 625-7090 |
| 10 | Insurance World, Inc. | 5640 Gerstner Memorial Blvd | (337) 478-6767 |
Kelly Lee Insurance serves Lake Charles and the surrounding Calcasieu Parish area as an umbrella insurance agent. The agency offers excess liability coverage that extends protection beyond standard home and auto insurance policies, helping residents address potential gaps in their current coverage. Their work in this market involves providing policies that guard against costly lawsuits and unforeseen claims. The company also handles personal umbrella policies designed to safeguard future earnings and personal assets in this region.
Goosehead Insurance - James Bice provides umbrella insurance services for Lake Charles, Louisiana, offering liability coverage that goes beyond standard policy limits. Service plans include assistance with assessing personal risk factors and evaluating current homeowners and auto policies to determine appropriate coverage gaps. Maintenance plans focus on regular policy reviews to adjust coverage as assets or lifestyle conditions change. The company services single-family homes, apartments, retail properties, and restaurants in the area.
Goosehead Insurance - Garet Berry serves homeowners, local businesses, and property managers in Lake Charles, Louisiana, who require umbrella coverage to protect against major liability claims beyond a standard policy's limits. The agency helps clients understand how a personal or commercial umbrella policy can safeguard assets and future earnings in the event of a catastrophic event. It also offers its services across the surrounding Calcasieu Parish area, including the nearby city of Sulphur.
Goosehead Insurance - Jeff Jones serves Lake Charles, Louisiana, and the surrounding communities of Calcasieu Parish. The agency handles umbrella insurance policies that provide extra liability coverage beyond standard homeowners and auto limits. Clients turn to this office when they need additional protection against major claims or lawsuits. Jeff Jones consults with each customer to evaluate their existing policies and identify personal risks. He then matches them with a suitable policy and coverage amount from available insurance carriers. This straightforward, personalized process ensures each plan addresses their unique asset protection needs.
Scotty Mathews Ins Agcy Inc in Lake Charles, LA distinguishes its service by offering one-time policy purchases for temporary needs or recurring annual coverage for ongoing liability protection. Their umbrella insurance extends the liability limits of standard homeowners and auto policies, safeguarding assets from major claims. This coverage helps clients address gaps left by underlying policies under a single, cost-effective plan. Service operates on a scheduled basis, with annual renewals managed to maintain continuous protection without gaps.
Insurance Unlimited in Lake Charles, LA offers specialized umbrella insurance agent services for individuals and businesses seeking extra liability protection beyond standard policies. It assists clients in assessing coverage gaps to secure extended financial safeguards for personal assets and commercial operations. The agency also guides policyholders through adjusting umbrella limits as their properties or business expansions increase risk exposure. During the Louisiana hurricane season, the company helps local residents review their liability coverage to ensure sufficient protection against potential storm-related lawsuits.
In Lake Charles, the hurricane season often brings concerns about liability from storm-related incidents, and Curtis Insurance addresses this vulnerability through its umbrella insurance agency. These policies provide extra coverage beyond standard homeowners or auto limits, protecting personal assets when costly claims arise from accidents on the property or on the road. The agent explains how additional liability layers work for households with pools, guests, or multiple vehicles. Securing this coverage begins with a personal consultation to assess existing policies and identify potential exposure.
Shelter Insurance - Ross Byrley provides residential umbrella insurance in Lake Charles, Louisiana, offering coverage beyond standard policies for added liability protection on homes and vehicles. Commercial umbrella policies are also available for local businesses needing broader risk management. The agency serves Lake Charles and the surrounding Southwest Louisiana area. Clients often return for policy reviews between regular visits to adjust coverage as their personal or commercial situations evolve.
Chris Duncan Agency Inc in Lake Charles, Louisiana provides general insurance services and specializes in adding umbrella liability coverage to personal and commercial policies. Umbrella insurance extends protection beyond standard policy limits, covering large claims that could otherwise risk personal or business assets. This extra layer of security is important for clients facing increased liability exposure in the region. The agency can serve local commercial sectors including professional offices, warehouses, and food service establishments, tailoring coverage to meet their specific operational needs.
Insurance World, Inc. in Lake Charles, LA is known for providing umbrella insurance policies that offer extra liability coverage beyond standard home and auto limits. Its service range extends to protecting local residents from major claims and lawsuits that could threaten personal assets. The agency works to help clients secure broader financial protection against unforeseen circumstances. A specialty service it can add on is excess liability coverage tailored for rental properties and boats.
What Does an a Umbrella Insurance Agent in Lake Charles Cost?
In Louisiana a 1 million dollar personal umbrella policy typically costs between 150 and 300 dollars per year. Higher limits like 2 million or 5 million can range from 250 to 500 dollars annually. Actual premiums depend on your driving record, number of properties, and the underlying insurance limits you carry. This is general information and not insurance advice.
About umbrella insurance agents in Lake Charles
Umbrella insurance provides an extra layer of liability protection beyond your auto and homeowners policies. In Lake Charles Louisiana this coverage is especially important due to the states high hurricane and flood risks which can lead to costly lawsuits. An agent in Lake Charles can help you assess your personal liability exposure and find a policy that meets Louisiana insurance requirements.
Frequently Asked Questions
What does an umbrella insurance agent in Lake Charles do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that kicks in after your underlying auto or home insurance limits are exhausted. In Louisiana agents must be licensed by the Louisiana Department of Insurance. They review your assets and risks to recommend appropriate coverage limits.
How much umbrella insurance do I need in Louisiana?
Most Louisiana agents recommend at least 1 million dollars in umbrella coverage. Your specific need depends on your net worth, property holdings, and potential lawsuit risks. Louisiana law does not set a minimum umbrella limit, but many insurers require you to carry certain underlying policy limits first.
Can I bundle umbrella insurance with other policies in Lake Charles?
Yes many Lake Charles agents offer umbrella policies that bundle with your existing auto and homeowners insurance from the same carrier. This can simplify billing and may qualify you for a multi-policy discount. Check with your agent to see if your current insurer offers umbrella coverage in Louisiana.
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