The top-rated umbrella insurance agent in Bartlett, Tennessee is Lofton Wells Insurance, rated 4.8 stars across 196 reviews. Other highly rated options include McDonald Insurance & Financial Services, Elizabeth Rook Insurance, Trey Clemens - State Farm Insurance Agent. This directory lists 18 umbrella insurance agents serving Bartlett.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lofton Wells Insurance | 6187 Stage Rd | (901) 377-7935 |
| 2 | McDonald Insurance & Financial Services | 5820 Stage Rd | (901) 385-1234 |
| 3 | Elizabeth Rook Insurance | 3189 Kirby Whitten Rd Suite 106 | (901) 867-7283 |
| 4 | Trey Clemens - State Farm Insurance Agent | 2919 Elmore Park Rd Suite 3 | (901) 755-4172 |
| 5 | James Garcia: Allstate Insurance | 6490 Memphis Arlington Rd #110 | (901) 381-4747 |
| 6 | Bob Simpson - State Farm Insurance Agent | 7140 US-64 Ste 118 | (901) 381-1233 |
| 7 | Gregory Lawrence: Allstate Insurance | 2768 Bartlett Blvd | (901) 388-8220 |
| 8 | Kellon Insurance Agency, Inc. | 2951 Elmore Park Rd | (901) 386-2400 |
| 9 | The Johnson Agency: Allstate Insurance | 6803 Summer Ave | (901) 373-6060 |
| 10 | Person Insurance Agency | 8046 N Brother Blvd | (901) 286-1576 |
Lofton Wells Insurance serves the Bartlett, Tennessee area, offering coverage as a local umbrella insurance agent. This type of policy provides an extra layer of liability protection above standard home and auto policies, which is essential for safeguarding personal assets in the event of a major claim or lawsuit. Lofton Wells Insurance assists clients in assessing their exposure to common risks such as severe weather or accidents involving guests. The agency specifically handles client consultations to evaluate umbrella policy limits and coordinates these policies with underlying homeowners and auto insurance.
McDonald Insurance & Financial Services serves the Bartlett, Tennessee area and the surrounding Memphis metropolitan communities, handling the specific needs of clients seeking umbrella insurance coverage. This type of policy provides an extra layer of liability protection beyond standard home and auto policies. For local homeowners and drivers, it helps safeguard personal assets against major claims or lawsuits. The agency generally reviews each client’s current risk exposure, then recommends a policy limit that matches their property and lifestyle to fill potential coverage gaps.
Elizabeth Rook Insurance in Bartlett, TN serves homeowners, businesses, and property managers seeking additional liability protection beyond standard policy limits. As an umbrella insurance agent, the company helps clients secure extra coverage that activates once underlying policy amounts are exhausted. These policies provide essential financial safeguards for accidents, lawsuits, or property damage claims. The agency extends its umbrella insurance services and guidance to clients throughout the Memphis metropolitan area, including the neighboring community of Germantown.
Trey Clemens - State Farm Insurance Agent in Bartlett, TN offers umbrella insurance as a distinct policy that provides additional liability coverage beyond standard home and auto limits. This area presents unique exposure risks from accidents or property incidents, making supplemental protection a practical consideration. Clients can schedule a one-time consultation for policy review or pursue recurring service to manage changing coverage needs over time. The agent ensures clients understand how umbrella insurance interacts with underlying policies. Service plans operate on both a one-time and as-needed basis.
James Garcia: Allstate Insurance offers comprehensive umbrella insurance policies that provide extended liability protection beyond standard homeowners and auto policies. Service includes personalized policy reviews to ensure adequate coverage limits and assistance with claims processing. Maintenance plans involve periodic coverage assessments to adjust for changing assets or risk profiles, helping safeguard against major financial losses. The agency serves Bartlett, TN, and the surrounding area, providing coverage for single-family homes, apartments, retail spaces, and restaurants seeking additional liability protection.
Bob Simpson - State Farm Insurance Agent in Bartlett, TN provides umbrella insurance policies that extend extra liability coverage beyond standard home and auto limits. The agency’s general work includes assisting clients in understanding how umbrella protection can safeguard personal assets from major claims or lawsuits. For anyone with significant savings, a rental property, or recreational vehicles like boats, this added layer of coverage can offer crucial financial defense. An especially important concern it helps with during winter months is liability from a guest slipping on icy driveways or walkways.
As summer storms intensify in the Shelby County area, property owners in Bartlett turn to Gregory Lawrence: Allstate Insurance for supplemental financial protection. This umbrella insurance agent provides an extra layer of coverage beyond standard home and auto policies, shielding clients from major liability claims and lawsuit expenses. A policy is typically tailored to the specific assets and risk exposure of each homeowner or driver. The process begins when the agent schedules a straightforward review of current limits and personal assets.
Kellon Insurance Agency, Inc. in Bartlett, TN, serves local homeowners seeking umbrella liability coverage to protect their residential assets. The agency also advises small businesses in the surrounding area on commercial umbrella policies designed to bridge gaps in existing liability limits. Their coverage extends beyond Bartlett to clients throughout Shelby County. Clients typically return to this agent between regular policy check-ins to adjust their coverage as property values or community activities change.
What Does an a Umbrella Insurance Agent in Bartlett Cost?
The cost of an umbrella insurance policy in Tennessee typically ranges from $150 to $400 per year for $1 million in coverage. Higher limits of $2 million to $5 million may cost between $300 and $800 annually. Actual premiums depend on your underlying insurance policies, claims history, and risk factors. This is general information and not insurance advice. Consult a licensed agent for a quote tailored to your needs.
About umbrella insurance agents in Bartlett
Umbrella insurance agents in Bartlett Tennessee help residents secure additional liability coverage that kicks in when standard auto or home policies reach their limits. Tennessee law requires minimum liability limits of 25/50/15 for auto insurance, but an umbrella policy can provide $1 million or more in extra protection. Working with a local agent ensures your policy aligns with Tennessee regulations and your specific risk profile.
Frequently Asked Questions
What does an umbrella insurance agent in Bartlett do?
An umbrella insurance agent in Bartlett helps you assess your liability risks and purchase a personal umbrella policy. This policy provides extra coverage above your existing auto, home, or renters insurance. The agent also advises on coverage limits based on your assets and Tennessee legal requirements.
Do I need umbrella insurance in Tennessee?
Umbrella insurance is not required by Tennessee law, but it is recommended if you have significant assets or face higher liability risks. Tennessee has a statute of limitations of one year for personal injury lawsuits, meaning you could be sued for damages within that time. An umbrella policy helps protect your savings and future earnings from large judgments.
How much umbrella coverage should I get in Bartlett?
Most agents recommend at least $1 million in umbrella coverage, though higher limits are available. The amount you need depends on your net worth, income, and lifestyle factors such as owning a pool or a dog. Your agent can help calculate a suitable limit based on Tennessee liability exposure and your personal financial situation.
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