The top-rated umbrella insurance agent in Kingsport, Tennessee is Jobe & Pearson Insurance, rated 5.0 stars across 188 reviews. Other highly rated options include Shelter Insurance - Kandi Douthat, Farm Bureau Insurance, Price & Ramey Insurance Group. This directory lists 20 umbrella insurance agents serving Kingsport.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jobe & Pearson Insurance | 724 W Center St STE A | (423) 292-6581 |
| 2 | Shelter Insurance - Kandi Douthat | 2718 N John B Dennis Hwy Ste | (423) 765-2086 |
| 3 | Farm Bureau Insurance | 1421 E Stone Dr | (423) 578-2181 |
| 4 | Price & Ramey Insurance Group | 1524 Bridgewater Ln # 101 | (423) 246-6181 |
| 5 | David Pendleton & Associates | 1301 Moreland Dr | (423) 239-7283 |
| 6 | Shelter Insurance - Christy Nixon | 1420 E Stone Dr b1 | (423) 765-2085 |
| 7 | Gilliam Insurance Advisor Group LLC | 4350 W Stone Dr | (423) 276-5807 |
| 8 | Acceptance Insurance | 1649 E Stone Dr #112 | (423) 491-7186 |
| 9 | Mark Britt Agency | 4354 W Stone Dr | (423) 765-9016 |
| 10 | Douthat Insurance | 1105 S Wilcox Dr | (423) 765-9084 |
Jobe & Pearson Insurance serves Kingsport, Tennessee, and the surrounding region by offering umbrella insurance agent services. This type of coverage provides an extra layer of liability protection that goes beyond the limits of standard home and auto policies. The company helps clients shield their assets from major lawsuits and unexpected claims. Professional guidance is offered in evaluating individual risk factors to determine appropriate policy amounts. Jobe & Pearson Insurance handles the careful management of commercial umbrella policies for local businesses.
Shelter Insurance - Kandi Douthat provides umbrella insurance services for individuals and businesses in the Kingsport, TN area. It offers liability coverage that extends beyond the limits of standard auto and homeowners policies, protecting clients from major claims and lawsuits. The agency also assists with reviewing current insurance plans to identify gaps in personal or commercial coverage and can adjust policies to ensure adequate protection. Its team services single-family homes, apartments, retail locations, and restaurants needing broad liability safeguards.
Farm Bureau Insurance in Kingsport, Tennessee serves homeowners, businesses, and property managers needing extra liability coverage beyond standard policies. It offers umbrella insurance to protect clients from major claims and lawsuits that could otherwise threaten personal or business assets. The agency works with policyholders to determine appropriate coverage levels for their specific risks and property exposures. Its services also extend to residents and commercial clients in nearby Johnson City and the surrounding Tri-Cities metropolitan area.
Price & Ramey Insurance Group in Kingsport, TN serves homeowners, businesses, and property managers by providing umbrella insurance policies that extend liability coverage beyond standard limits. These policies offer crucial protection for assets and savings against major claims or lawsuits. The agency carefully evaluates each client’s existing coverage to recommend appropriate additional liability layers. Its services help mitigate risks from accidents, property damage, or legal judgments. The company also covers clients in the neighboring community of Johnson City and throughout the broader Tri-Cities metropolitan area.
Serving Kingsport, TN, and the surrounding communities, David Pendleton & Associates is a local provider of umbrella insurance agency services. This company handles excess liability coverage that extends beyond the limits of standard homeowners and auto policies. Its agents work closely with clients to identify personal risk factors and recommend appropriate coverage levels for added financial protection. To complete a typical job, it takes a careful approach by reviewing each client’s existing policies to find potential gaps in their liability coverage.
Shelter Insurance - Christy Nixon offers umbrella insurance agent services for clients needing extended liability protection beyond standard policies in Kingsport, Tennessee. General work includes helping individuals and families review existing coverage limits to determine appropriate additional layers of security for assets and future earnings. The agency addresses common risks around the region, such as those from auto accidents or property incidents. During the winter months, it assists with preparing for increased liability exposure from slip-and-fall claims on icy walkways and driveways.
Gilliam Insurance Advisor Group LLC in Kingsport, TN distinguishes its umbrella insurance services by offering both one-time coverage for a single major liability risk and recurring policy options for ongoing protection. These policies extend beyond standard auto or home limits, providing an additional layer of financial security that applies across a household’s broad liability exposures. The company structures its support to operate on an as-needed basis, allowing clients to secure supplemental coverage only when they identify a specific need for expanded liability protection.
Acceptance Insurance serves Kingsport, Tennessee, and its surrounding communities, handling umbrella insurance policies that provide additional liability coverage beyond standard home or auto limits. It assists clients in protecting assets like personal property and future income from major claims or lawsuits. The agency generally works by assessing an individual's existing coverage levels and risk exposure. It then tailors an extra layer of protection to help bridge potential gaps in policy coverage, ensuring broader financial security against unforeseen incidents.
With seasonal storms and liability risks common in Kingsport, many homeowners and business owners seek broader protection. Mark Britt Agency serves this need by offering umbrella insurance coverage designed to extend beyond standard policy limits. Their process begins with an individual consultation to review existing home, auto, or watercraft policies and identify potential exposure gaps. A careful assessment of each client's assets and personal liability concerns follows, leading to customized policy options. A preliminary coverage review then determines the initial level of additional protection recommended for each unique situation.
Douthat Insurance provides property and casualty coverage in Kingsport, Tennessee, focusing on personal liability protection through umbrella insurance policies. These policies extend additional coverage beyond standard homeowners and auto insurance limits, offering broader financial security against major claims or lawsuits. The firm serves local businesses and individuals, helping them manage risk with supplemental liability layers. Its commercial services include support for offices, warehouses, and food service operations.
What Does an a Umbrella Insurance Agent in Kingsport Cost?
Typical costs for umbrella insurance in Tennessee range from 150 to 400 dollars per year for 1 million dollars of coverage. Higher limits may cost 300 to 800 dollars annually. Your premium depends on factors such as your driving record, number of properties, and the underlying policy limits. This is general information and not insurance advice.
About umbrella insurance agents in Kingsport
Umbrella insurance agents in Kingsport Tennessee help you secure additional liability coverage that goes beyond your auto and homeowners policies. Tennessee law does not require umbrella insurance, but it can protect your assets in case of a major lawsuit or accident. Local agents understand the specific liability risks in the Tri-Cities region and can tailor coverage to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Kingsport do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides extra coverage limits above your existing auto, home, or watercraft insurance. In Tennessee, this extra layer can cover legal defense costs and judgments if you are sued for damages. The agent will review your current policies and recommend an appropriate coverage amount.
How much umbrella insurance do I need in Tennessee?
The amount of umbrella insurance you need depends on your assets and risk exposure. Many agents recommend at least 1 million dollars in coverage, but higher limits are available. Tennessee has no state-specific minimum for umbrella policies, so your agent will help you assess your personal situation.
Is umbrella insurance required by law in Tennessee?
No, umbrella insurance is not required by Tennessee state law. However, it is a common recommendation for individuals with significant assets or high liability risks. Tennessee follows a fault-based system for auto accidents, meaning you could be held personally liable for damages that exceed your standard policy limits.
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