The top-rated umbrella insurance agent in Knoxville, Tennessee is 21st Insurance Agency, rated 4.9 stars across 3,512 reviews. Other highly rated options include William Knight Insurance Agency, Sparks Insurance, ISG Insurance LLC. This directory lists 29 umbrella insurance agents serving Knoxville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | 21st Insurance Agency | 620 Market St | (866) 727-4712 |
| 2 | William Knight Insurance Agency | 1717 Winston Rd | (865) 670-2990 |
| 3 | Sparks Insurance | 10101 Sherrill Blvd | (865) 687-1855 |
| 4 | ISG Insurance LLC | 5418 Clinton Hwy | (865) 689-1900 |
| 5 | Meridian Insurance, Inc. | 6025 Brookvale Ln NW Suite 208 | (937) 567-8900 |
| 6 | Applegate Insurance Agency | 301 S Gallaher View Rd # 229 | (865) 240-2348 |
| 7 | Shafer Insurance Agency | 1100 Marion St #200 | (865) 546-0761 |
| 8 | Bolton Insurance | 200 Fox Rd | (865) 690-5000 |
| 9 | IRM Insurance | 11002 Kingston Pike #103 | (865) 579-0500 |
| 10 | Beacon Insurance Advisers | 150 Fox Rd | (865) 213-2111 |
21st Insurance Agency serves Knoxville and the surrounding Knox County area as an umbrella insurance agent, specializing in excess liability coverage that extends beyond standard home and auto policies. This professional provides crucial protection for personal assets, offering a safety net against major claims and lawsuits. Clients in the region benefit from tailored coverage that safeguards their financial security. The agency specifically handles personal umbrella policies and excess liability insurance for high-net-worth individuals.
Serving Knoxville and the surrounding communities in East Tennessee, William Knight Insurance Agency handles umbrella insurance policies designed to provide an extra layer of liability protection. This coverage helps safeguard personal assets when the limits on a standard auto or homeowners policy have been exceeded. The agency focuses on evaluating each client’s overall risk profile and financial exposure. For a typical job, it begins by reviewing existing primary policies to identify coverage gaps, then customizes umbrella limits to match the client’s individual needs and potential liability scenarios.
Sparks Insurance offers both one-time policies for specific projects or events and scheduled coverage for ongoing personal liability protection. As an umbrella insurance agent in Knoxville, Tennessee, this company helps clients secure supplemental liability coverage that extends beyond the limits of standard homeowners and auto policies. Additional coverage can protect against major claims and lawsuits. Service runs on a one-time or as-needed basis, depending on the client's request for a new policy or an update to an existing one.
ISG Insurance LLC specializes in accessing umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. In Knoxville, TN, it works to help local residents and businesses manage risk from claims that could exceed primary policy caps. This general service includes reviewing existing coverage to identify gaps and coordinating with primary insurers for seamless protection. During the spring storm season, it assists clients in securing higher liability limits to guard against potential lawsuits from weather-related accidents or property damage.
Meridian Insurance, Inc. in Knoxville, TN assists clients with managing risk through general liability coverage and related insurance policies. The agency specializes in umbrella insurance, which provides an extra layer of protection beyond standard policy limits for individuals and businesses facing significant liability exposures. This additional coverage can safeguard assets from unexpected claims or lawsuits. Commercial clients the firm serves include offices needing higher liability limits, warehouses with large inventory exposures, and food service operations facing diverse on-site risks.
Applegate Insurance Agency, based in Knoxville, Tennessee, provides umbrella insurance policies designed to offer extra liability protection beyond standard home and auto coverage. Its services help local residents and businesses safeguard their assets against major claims and lawsuits, filling gaps left by underlying policies. The agency assists clients throughout the Knoxville region in determining appropriate coverage limits for their specific needs. In addition to standard umbrella policies, the company can add on coverage for personal injury liability, including libel and slander claims.
Shafer Insurance Agency serves Knoxville, Tennessee homeowners seeking umbrella liability coverage to extend their residential policy protections against major claims. Commercial clients also obtain this extra layer of security to safeguard business assets. The agency focuses on this Knoxville region, helping local policyholders coordinate coverage with underlying home or commercial policies. Follow-up service is provided to adjust coverage levels as property values or business operations change between the agent’s regular policy reviews to ensure continuous alignment with changing client needs.
Bolton Insurance serves Knoxville, Tennessee, and the surrounding county by providing umbrella insurance coverage. This business assists clients in securing additional liability protection beyond the limits of standard home and auto policies. Such coverage helps safeguard assets from major claims or lawsuits. The agents evaluate individual risk factors to recommend appropriate policy levels. Bolton Insurance handles personal umbrella policies for homeowners and also works on commercial umbrella insurance for local business owners in Knoxville.
IRM Insurance offers personal umbrella liability coverage to clients in Knoxville, Tennessee. These policies extend liability protection beyond the limits of standard homeowners and auto insurance policies, providing additional financial security against major claims or lawsuits. The company assists clients in evaluating their current coverage to determine appropriate additional liability limits. It advises on maintaining sufficient underlying insurance policies to support the umbrella coverage. IRM Insurance serves a variety of properties, including single-family homes, apartments, retail properties, and restaurants.
Beacon Insurance Advisers serves homeowners, businesses, and property managers in Knoxville, Tennessee, seeking extra liability protection beyond standard policy limits. The agency provides guidance on selecting umbrella policies that help safeguard assets against major lawsuits or accidents. They focus on clear explanations of policy terms and coverage needs. Their work ensures clients understand how umbrella insurance interacts with underlying homeowners or auto policies. They also offer services to clients in the resurgent downtown area and surrounding Knox County neighborhoods.
What Does an a Umbrella Insurance Agent in Knoxville Cost?
In Tennessee umbrella insurance typically costs between 150 and 300 dollars per year for one million dollars in coverage. Premiums can vary based on your risk profile, number of vehicles, and property type. This is general information and not insurance advice.
About umbrella insurance agents in Knoxville
Umbrella insurance provides an extra layer of liability coverage that kicks in after your auto or homeowners policy limits are exhausted. In Knoxville Tennessee this coverage can be especially valuable given the state's comparative fault laws which may increase your exposure in a lawsuit. A local agent can help you assess your personal risk and secure a policy that fits your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Knoxville do?
An umbrella insurance agent helps you evaluate your current liability limits and recommends an umbrella policy to cover gaps. They explain how Tennessee law affects your coverage and assist with policy selection and claims support.
How much umbrella insurance coverage do I need in Tennessee?
Most agents suggest at least one million dollars in umbrella coverage, but the right amount depends on your assets and risk factors. Tennessee does not set a minimum requirement for umbrella insurance, so your agent will help you decide based on your personal situation.
Is umbrella insurance required by Tennessee law?
No, Tennessee law does not require umbrella insurance. However it is a smart choice if you have significant assets or face higher liability risks, such as owning rental property or having a teenage driver.
Umbrella Insurance Agents in Other Tennessee Cities
Bartlett · Brentwood · Bristol · Chattanooga · Clarksville · Cleveland · Collierville · Columbia · Cookeville · Franklin · Gallatin · Germantown · Hendersonville · Jackson · Johnson City