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Find Umbrella Insurance Agents Near You in Memphis, TN
Looking for a umbrella insurance agent in Memphis? Review the directory below to compare your options.
17 agents listed
Updated May 2026
Memphis, TN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Tennessee before hiring.
Showing 17 umbrella insurance agents in Memphis, TN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Liberty Mutual Insurance Dustin Hopkins
6060 Poplar Ave #301, Memphis, TN 38119
(901) 212-1797
tinyurl.com
Clay & Land Insurance, Inc.
866 Ridgeway Loop Rd, Memphis, TN 38120
(901) 767-3600
clayandland.com
Globe Life Liberty National Division: Terah Mims Agency
1255 Lynnfield Rd STE 100, Memphis, TN 38119
(901) 363-8234
ln.globelifeinsurance.com
Riskbusters Insurance
5865 Ridgeway Center Pkwy Suite 300, Memphis, TN 38120
(901) 767-1890
riskbustersinsurance.com
P3 Insurance Solutions
8295 Tournament Dr ste 150, Memphis, TN 38125
(901) 203-2630
insurewithp3.com
Pete Mitchell & Associates Insurance, Inc.
4216 Millbranch Rd, Memphis, TN 38116
(901) 345-6176
petemitchellins.com
Lipscomb & Pitts Insurance, a Higginbotham Partner
2670 Union Ave ste 100, Memphis, TN 38112
(901) 321-1000
lpinsurance.com
AAA Insurance - Lottie Jones Insurance Agency
403 N Cleveland St Ste 107, Memphis, TN 38104
(901) 545-2221
locator.acg.aaa.com
Able Agency Inc.
2235 Covington Pike, Memphis, TN 38128
(901) 333-1313
ableagency.com
April Gainer Insurance Agency
4466 Elvis Presley Blvd # 243, Memphis, TN 38116
(901) 398-7200
thegaineragency.com
Collier Insurance
606 S Mendenhall Rd, Memphis, TN 38117
(901) 529-2900
collierinsurance.com
Keller Insurance
4934 William Arnold Rd, Memphis, TN 38117
(901) 325-1010
insurewithkeller.com
Affordable Insurance Agency
2964 Ole Bartlett Ct Suite 7, Memphis, TN 38134
(901) 358-9880
affordableinsagencyinc.com
RiskGuard Sr22 Insurance Agency Tennessee
1331 Union Ave #980, Memphis, TN 38104
(423) 264-7443
iCover Insurance
231 Exchange Ave, Memphis, TN 38105
(901) 730-0805
icover-insurance.com
Insurance Underwriters of America
6060 Primacy Pkwy Ste. 201, Memphis, TN 38119
(901) 762-8211
iuainsurance.com
Insurance Agency Tennessee
1390 Airways Blvd, Memphis, TN 38114
(901) 557-6638
Umbrella insurance agents in Memphis help residents secure additional liability coverage beyond standard auto and homeowners policies. Tennessee law does not require umbrella insurance, but it can protect your savings and future income from large lawsuits. Local agents understand the specific risks in Shelby County, such as auto accidents on busy interstates like I-40 and I-240.
What Does a Umbrella Insurance Agent in Memphis Cost?
Umbrella insurance in Tennessee typically costs between 150 and 350 dollars per year for 1 million dollars in coverage. Premiums for higher limits of 2 million dollars usually range from 250 to 500 dollars annually. Factors like your driving record, number of properties, and prior claims affect the final price. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Memphis do?
An umbrella insurance agent helps you assess your personal liability risks and find a policy that provides extra coverage limits. They compare options from multiple carriers to match your assets and lifestyle. The agent also explains how the policy interacts with your existing home and auto insurance.
How much umbrella coverage should I get in Tennessee?
Most agents recommend at least 1 million dollars in umbrella coverage for Memphis homeowners. Higher limits of 2 to 5 million dollars may be wise if you own rental properties, have a pool, or frequently host guests. Your agent will calculate the right amount based on your net worth and potential lawsuit exposure.
Does Tennessee law affect umbrella insurance policies?
Yes, Tennessee follows a modified comparative fault rule that can reduce your liability if you share some blame. Umbrella policies typically cover defense costs even if you are not at fault. Also, Tennessee has a one-year statute of limitations for personal injury lawsuits, which influences how quickly claims are handled.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Tennessee.