The top-rated umbrella insurance agent in Fairborn, Ohio is Bud Hillard - State Farm Insurance Agent, rated 4.8 stars across 37 reviews. Other highly rated options include Mike Baker - State Farm Insurance Agent, Jeff Roberts - State Farm Insurance Agent, Flatter Insurance Inc. This directory lists 13 umbrella insurance agents serving Fairborn.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bud Hillard - State Farm Insurance Agent | 8380 Dayton Springfield Rd | (937) 864-7321 |
| 2 | Mike Baker - State Farm Insurance Agent | 1920 Commerce Center Blvd | (937) 878-4851 |
| 3 | Jeff Roberts - State Farm Insurance Agent | 128 W Main St | (937) 878-8722 |
| 4 | Flatter Insurance Inc | 407 N Broad St | (937) 878-3444 |
| 5 | Kevin Whitten American Family Insurance | 55 N Central Ave #4 | (937) 846-0793 |
| 6 | American National Insurance Co | 7600 Dayton Springfield Rd | (937) 358-8729 |
| 7 | G A Campbell Agency | 562 E Dayton Yellow Springs Rd | (937) 878-3413 |
| 8 | Nationwide Insurance: Brian D Parrett | 574 E Dayton Yellow Springs Rd | (937) 878-3936 |
| 9 | Bankers Life | 2900 Presidential Dr Ste 100A | (937) 252-3136 |
| 10 | Parrett Insurance Group | 574 E Dayton Yellow Springs Rd | (937) 878-3936 |
Bud Hillard - State Farm Insurance Agent serves Fairborn, Ohio, and the surrounding Greene County area with umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. This type of policy helps protect local residents from major claims and lawsuits by adding higher coverage ceilings. The agency also assists clients in the Fairborn community with related risk management needs. Specific services handled here include personal umbrella insurance quotes and policy adjustments for homeowners and drivers.
Mike Baker - State Farm Insurance Agent in Fairborn, OH, provides comprehensive umbrella liability coverage that extends beyond standard policy limits. The agent offers protection plans designed to safeguard assets from major claims and lawsuits. Clients can consult about policy customization and coverage evaluations upon request. The office helps residents and business owners secure additional liability insurance for unexpected incidents. Services are available for single-family homes, apartments, retail establishments, and restaurants.
Jeff Roberts - State Farm Insurance Agent in Fairborn, Ohio, serves local homeowners, business owners, and property managers seeking personal umbrella liability coverage. This agency helps clients add an extra layer of protection above their existing auto and homeowners policies, guarding against major claims and lawsuits. Standard services include policy reviews to determine appropriate coverage limits and guidance on how an umbrella can shield personal assets. The agency also provides this coverage for residents and smaller commercial clients in nearby Beavercreek and the greater Dayton metro area.
Serving Fairborn, Ohio, and the surrounding Miami Valley communities, Flatter Insurance Inc operates as a local umbrella insurance agent. The company handles liability coverage that extends beyond the limits of standard auto, home, or watercraft policies, offering an additional layer of protection for clients. To manage a typical job, the agent starts by reviewing a client’s current underlying policies and personal assets, then carefully recommends policy limits that align with that individual’s specific risk profile.
Kevin Whitten American Family Insurance in Fairborn, OH offers both single-policy umbrella coverage and ongoing umbrella insurance services, providing an additional layer of liability protection beyond standard home and auto policies. Umbrella insurance safeguards personal assets by covering large claims or lawsuits exceeding underlying policy limits. The company serves clients throughout the Fairborn area, helping them select appropriate coverage amounts based on individual risk factors. Service appointments, consultations, and policy renewals are conducted on an as-needed basis, allowing clients to request assistance only when required.
American National Insurance Co in Fairborn, OH provides umbrella insurance agent services, offering specialty liability coverage that extends beyond standard policy limits. It generally serves clients by helping them protect their assets from major claims or lawsuits that could exceed auto or homeowners coverage. Policyholders here often appreciate that umbrella policies also cover certain incidents not included elsewhere, such as personal injury claims. The agency is particularly helpful during severe Ohio winter weather, when icy sidewalks increase the risk of slip-and-fall accidents.
In Fairborn, OH, the changing seasons bring spring storms and occasional hail, which underscores the need for additional liability coverage beyond a standard auto or homeowners policy. G A Campbell Agency offers umbrella insurance to provide that essential extra layer of protection for local residents. An umbrella policy typically steps in when underlying policy limits are exhausted, covering legal defense and liability claims up to higher amounts. The process begins with a careful inspection and initial assessment of your current coverage and assets to determine the appropriate policy level.
Nationwide Insurance: Brian D Parrett provides comprehensive insurance solutions in Fairborn, Ohio, with a specialty in umbrella insurance agent services. This agency helps individuals and businesses secure additional liability coverage that extends beyond standard policy limits, offering crucial financial protection against major claims or lawsuits. Such coverage safeguards assets, including homes and savings, from unforeseen litigation expenses. The firm serves a variety of commercial sectors, including offices, warehouses, and food service establishments, ensuring tailored risk management for diverse operational needs.
Bankers Life in Fairborn, OH provides residential umbrella insurance services for local homeowners seeking additional liability protection beyond standard policies. The agency also offers commercial coverage options for small businesses and organizations throughout the greater Fairborn area. Client consultations focus on assessing individual risk profiles to determine appropriate policy limits. This office serves residents and businesses across additional nearby communities when needed. Follow-up service between regular visits ensures coverage adjustments are made as personal or commercial circumstances evolve.
Parrett Insurance Group, serving the Fairborn, OH area, is known for providing umbrella insurance coverage that extends liability protection beyond standard policies. Its service range includes evaluating personal and business exposures to recommend appropriate excess liability limits, ensuring clients have broader financial safeguards. By addressing gaps left by auto, homeowners, or commercial policies, the agency offers a layer of security against catastrophic claims. A specialty service it can add on is policy integration with existing risk management strategies to streamline coverage across all assets.
What Does an a Umbrella Insurance Agent in Fairborn Cost?
For a 1 million dollar umbrella policy in Ohio, annual premiums typically range from 150 to 350 dollars. Higher limits, such as 2 million or 5 million, can cost 300 to 800 dollars per year. Your actual cost depends on your age, driving record, number of vehicles, and the underlying policies you carry. This is general information and not insurance advice.
About umbrella insurance agents in Fairborn
Umbrella insurance agents in Fairborn Ohio help you secure extra liability coverage that goes beyond your auto or homeowners policy limits. Ohio law does not require umbrella insurance but it can protect your savings and future earnings in the event of a large lawsuit. Local agents understand the specific liability risks for Ohio drivers and homeowners in Greene County.
Frequently Asked Questions
What does umbrella insurance cover in Ohio?
Umbrella insurance provides additional liability coverage after your primary policy limits are exhausted. It covers claims like bodily injury or property damage for which you are legally responsible. In Ohio the minimum auto liability limits are 25,000 per person and 50,000 per accident, so umbrella coverage adds a layer above those amounts.
How much umbrella coverage do I need in Fairborn?
Most agents recommend at least 1 million dollars in umbrella coverage for adequate asset protection. The amount you need depends on your net worth, risk factors, and the value of your home and vehicles. An agent can help you assess your personal situation and choose an appropriate limit.
Can I get umbrella insurance if I have a poor driving record in Ohio?
Yes but your premium may be higher or the insurer may require you to meet certain underwriting criteria. Ohio insurers typically check your driving history and claims record for the past three to five years. An agent can help you find a carrier that works with your specific risk profile.
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