The top-rated umbrella insurance agent in Memphis, Tennessee is Globe Life Liberty National Division: Terah Mims Agency, rated 4.9 stars across 143 reviews. Other highly rated options include Clay & Land Insurance, Inc., Liberty Mutual Insurance Dustin Hopkins, Riskbusters Insurance. This directory lists 17 umbrella insurance agents serving Memphis.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life Liberty National Division: Terah Mims Agency | 1255 Lynnfield Rd STE 100 | (901) 363-8234 |
| 2 | Clay & Land Insurance, Inc. | 866 Ridgeway Loop Rd | (901) 767-3600 |
| 3 | Liberty Mutual Insurance Dustin Hopkins | 6060 Poplar Ave #301 | (901) 212-1797 |
| 4 | Riskbusters Insurance | 5865 Ridgeway Center Pkwy Suite 300 | (901) 767-1890 |
| 5 | P3 Insurance Solutions | 8295 Tournament Dr ste 150 | (901) 203-2630 |
| 6 | Pete Mitchell & Associates Insurance, Inc. | 4216 Millbranch Rd | (901) 345-6176 |
| 7 | April Gainer Insurance Agency | 4466 Elvis Presley Blvd # 243 | (901) 398-7200 |
| 8 | Keller Insurance | 4934 William Arnold Rd | (901) 325-1010 |
| 9 | AAA Insurance - Lottie Jones Insurance Agency | 403 N Cleveland St Ste 107 | (901) 545-2221 |
| 10 | Affordable Insurance Agency | 2964 Ole Bartlett Ct Suite 7 | (901) 358-9880 |
Serving homeowners, businesses, and property managers in Memphis, TN, Globe Life Liberty National Division: Terah Mims Agency provides umbrella insurance coverage that extends liability protection beyond standard policy limits. The agency works with clients seeking additional financial safeguards against major claims or lawsuits, offering customized policies tailored to individual risk profiles. This coverage is essential for protecting assets in a growing metropolitan area. The agency also supports residents and commercial clients in surrounding communities such as Germantown, ensuring comprehensive liability solutions across the broader Memphis region.
Clay & Land Insurance, Inc. offers comprehensive umbrella insurance coverage that extends liability protection beyond standard policy limits. The agency provides ongoing service through policy reviews and claims assistance to ensure clients maintain adequate coverage as their needs change. Operating in Memphis, Tennessee, the firm helps individuals and businesses secure added protection against major lawsuits and liability claims. It regularly services a diverse range of property types, including single-family homes, apartments, retail spaces, and restaurants.
Liberty Mutual Insurance Dustin Hopkins serves the Memphis, TN metro area as an umbrella insurance agent, providing an extra layer of liability coverage beyond standard home and auto policies. This additional protection helps safeguard personal assets and future earnings against major claims or lawsuits. The company assists local clients in managing risk by tailoring supplemental insurance limits to their specific financial exposures. Dustin Hopkins’ agency handles personal umbrella policies and coordinates excess liability coverage with primary insurance plans.
Riskbusters Insurance serves the Memphis, Tennessee area and its surrounding communities, handling all forms of personal umbrella liability coverage for local residents. The agency manages excess liability policies designed to provide added protection beyond standard auto and homeowners insurance limits. It also works with clients to assess their overall risk exposure and the specific coverage gaps a typical umbrella policy can fill. To manage each job, it first reviews the client’s existing underlying policies, then recommends appropriate additional coverage based on the client’s personal assets and potential liability scenarios.
For clients seeking either a single-policy addition or ongoing coverage adjustments, P3 Insurance Solutions provides umbrella insurance services in Memphis, Tennessee. This agent helps protect assets beyond standard home and auto limits by offering liability layers for unexpected claims. Policies cover legal defense costs and damages from incidents such as severe accidents or property injuries. As a local agency, it understands regional liability risks and policy intricacies. These services are available on a one-time, scheduled, or as-needed basis according to each client’s changing protection requirements.
Pete Mitchell & Associates Insurance, Inc. specializes in umbrella insurance agent services for the Memphis, TN area, offering additional liability protection that extends beyond standard policy limits. It generally works with both individuals and businesses to review existing coverage and identify potential gaps. These policies are designed to safeguard personal and commercial assets against major claims or lawsuits. As hurricane season and unexpected snow events can create unique legal exposures throughout the year, the agency helps local clients address risks that may exceed primary policy caps.
April Gainer Insurance Agency in Memphis, Tennessee, provides residential umbrella coverage that helps protect homeowners beyond their standard policy limits. The agency also offers commercial umbrella insurance for local businesses seeking broader liability protection. Serving both downtown Memphis and the surrounding Mid-South region, the office works with area residents and enterprises to arrange policies that close common coverage gaps. Existing clients often reach out for follow-up adjustments when they purchase a new property or add a vehicle between regular annual renewals.
AAA Insurance - Lottie Jones Insurance Agency in Memphis, TN handles general liability and property protection for clients, with a particular focus on umbrella insurance policies that extend coverage limits beyond standard plans. This added layer of financial safety helps shield individuals and businesses from major claims or lawsuits. The agency serves a variety of commercial operations, including offices, warehouses, and food service establishments, tailoring its excess liability options to the specific risks each sector faces.
What Does an 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.
About umbrella insurance agents in Memphis
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.
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.
Umbrella Insurance Agents in Other Tennessee Cities
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