The top-rated umbrella insurance agent in Concord, North Carolina is Byrd Agency Inc, rated 5.0 stars across 383 reviews. Other highly rated options include Trey Siner Insurance Group, The Compass Agency LLC, LogRock Inc.. This directory lists 17 umbrella insurance agents serving Concord.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Byrd Agency Inc | 797 Davidson Dr NW | (704) 786-2108 |
| 2 | Trey Siner Insurance Group | 247 Church St NE | (704) 795-6878 |
| 3 | The Compass Agency LLC | 638 Concord Pkwy N | (704) 933-8080 |
| 4 | LogRock Inc. | 9 Union St N STE 400 | (980) 580-6010 |
| 5 | Allen & Ballard Insurance Associates | 732 Kannapolis Pkwy | (704) 795-7801 |
| 6 | Madison Insurance Group | 3775 NC-73 | (704) 782-2073 |
| 7 | Ralph or "Britt" Brittain - State Farm Insurance Agent | 280 Concord Pkwy S The Village, #117 | (704) 786-5417 |
| 8 | Insurance Concord | 9900 Poplar Tent Rd Ste 115 #312 | (980) 306-5355 |
| 9 | Jason Bentley Agency | 646 Church St N | (704) 784-3300 |
| 10 | S & D Insurance | 148 Church St NE | (704) 786-7412 |
Byrd Agency Inc serves Concord and Cabarrus County, North Carolina, as an umbrella insurance agent. It provides personal umbrella liability policies that extend coverage beyond standard auto and homeowners limits. The agency also advises clients on excess liability protection for rental properties and recreational vehicles. Its services address common local needs, such as safeguarding assets from lawsuits arising from boating accidents or dog bites on residential property. Byrd Agency Inc handles both personal umbrella insurance and commercial umbrella coverage for small businesses in the Concord area.
Trey Siner Insurance Group provides comprehensive umbrella insurance coverage designed to extend liability protection beyond standard homeowners, auto, and business policies. The company assists clients in assessing personal risk exposure, advising on appropriate policy limits, and integrating umbrella coverage with existing insurance portfolios for seamless protection. Trey Siner Insurance Group services a diverse range of properties including single-family homes, apartments, retail locations, and restaurants.
Homeowners, businesses, and property managers in Concord, North Carolina turn to The Compass Agency LLC for umbrella insurance policies that extend beyond standard liability limits. The agency provides advisory services to help clients assess potential financial exposure from personal or commercial risks. Coverage is tailored to protect assets against major claims or lawsuits, offering an extra layer of security for individuals and operations in the region. Its service area includes nearby Kannapolis as well.
LogRock Inc. serves Concord, North Carolina, and the surrounding communities in Cabarrus County. The company functions as an umbrella insurance agent, handling policies that provide additional liability coverage beyond standard homeowners and auto insurance limits. This extra layer of protection helps clients manage substantial financial risks from major accidents or lawsuits. For a typical job, the agency evaluates a client's existing insurance policies and personal assets to recommend an appropriate amount of added liability coverage, then arranges the policy through its network of carriers.
Allen & Ballard Insurance Associates in Concord, NC, distinguishes between single-purchase umbrella liability policies and renewal-based ongoing coverage, each expanding a client’s primary insurance limits. Regular umbrella policies provide broad protection against lawsuits and major claims that exceed standard homeowners or auto coverage. This local firm helps individuals and families select the appropriate tier of liability shielding to safeguard their assets. Service at Allen & Ballard typically proceeds on an as-needed basis, with policyholders requesting quotes or adjustments when their circumstances change.
Madison Insurance Group specializes in connecting residents of Concord, North Carolina, with umbrella insurance policies that extend personal liability coverage beyond standard home and auto limits. The agency generally assists clients with evaluating their asset exposure and selecting appropriate supplementary protection. It serves homeowners, drivers, and landlords wanting an extra layer of financial security. When a local golf cart accident or a dog bite incident results in legal costs that exceed a primary policy ceiling, the agent helps a Concord family pay for those added expenses.
Insurance Concord specializes in residential umbrella insurance, providing extra liability coverage that extends beyond standard homeowner policies for clients in Concord. The agency also addresses commercial umbrella needs, offering an additional layer of protection for local business owners operating within the surrounding region. Their service covers Carabellas County and nearby areas, ensuring consistent oversight for policyholders. Clients can expect thorough follow-up for policy adjustments or claims, with repeat service coordinated between regular visits to maintain continuous coverage.
The Jason Bentley Agency handles personal and commercial liability risks for clients in Concord, North Carolina. Umbrella insurance adds an extra layer of protection beyond standard policy limits. This coverage can guard against large claims or lawsuits arising from unforeseen accidents or property damage. It also provides broader liability protection not always found within primary policies. The agency works with diverse commercial sectors including offices, warehouses, and food service establishments.
S & D Insurance is known for providing personal umbrella liability coverage to residents of Concord, NC. Its standard service range includes layering additional liability protection over existing homeowners and auto policies. This local agency assists clients in evaluating how much extra coverage suits their individual assets and risk exposure. Acquiring an umbrella policy often helps safeguard future earnings and personal savings from major claims. S & D Insurance can add on coverage for incidents like slander or libel related to personal online activity.
What Does an a Umbrella Insurance Agent in Concord Cost?
Typical annual premiums for a one million dollar umbrella policy in North Carolina range from 150 to 300 dollars. Higher coverage limits, such as two million dollars, may cost 250 to 500 dollars per year. Factors like your driving record, number of properties, and underlying policy limits affect the price. This is general information and not insurance advice.
About umbrella insurance agents in Concord
Umbrella insurance provides an extra layer of liability protection beyond your home and auto policies. In Concord, North Carolina, agents can help you secure coverage that responds after your underlying limits are exhausted. North Carolina law requires minimum liability limits for auto insurance, and an umbrella policy can help fill gaps for major claims or lawsuits.
Frequently Asked Questions
What does an umbrella insurance agent in Concord do?
An umbrella insurance agent in Concord helps you assess your personal liability risks and find a policy that extends coverage above your existing home and auto limits. They guide you through policy options from multiple carriers and explain how North Carolina liability laws affect your coverage needs.
Do I need umbrella insurance in North Carolina?
Umbrella insurance is not required by law in North Carolina, but it is recommended if you have significant assets, own a business, or engage in activities that increase your risk of being sued. North Carolina follows a contributory negligence rule, which can limit recovery in some cases, but large claims still pose a financial threat.
How much umbrella insurance coverage should I get in Concord?
Most agents recommend starting with at least one million dollars in umbrella coverage. The right amount depends on your net worth, income, and potential liability exposure. Your Concord agent can run a risk assessment and quote coverage levels from one million to five million or more.
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