The top-rated umbrella insurance agent in Denison, Texas is Jake Shockley - State Farm Insurance Agent, rated 5.0 stars across 285 reviews. Other highly rated options include Oden Insurance, David Means: Allstate Insurance, Jim McClure - State Farm Insurance Agent. This directory lists 12 umbrella insurance agents serving Denison.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jake Shockley - State Farm Insurance Agent | 5101 Gateway Blvd Suite 107 | (903) 462-0152 |
| 2 | Oden Insurance | 618 W Woodard St | (903) 465-0620 |
| 3 | David Means: Allstate Insurance | 120 S Austin Ave #102 | (903) 463-6751 |
| 4 | Jim McClure - State Farm Insurance Agent | 2220 W Morton St | (903) 465-1103 |
| 5 | Charles Holder Insurance Agency, Inc. | 601 W Main St | (903) 296-3829 |
| 6 | Phillips Insurance Agency | 212 W Main St | (903) 465-3167 |
| 7 | Bayless-Hall Insurance Inc | 501 W Woodard St | (903) 465-8383 |
| 8 | Hempkins Insurance | 431 W Crawford St | (903) 463-6251 |
| 9 | Texas Farm Bureau Insurance Company | 122 W Main St | (903) 463-4393 |
| 10 | FIND INSURANCE AGENCY PLLC | 1200 S Mirick Ave #103 | (940) 453-0916 |
Jake Shockley - State Farm Insurance Agent serves Denison, Texas and the surrounding Grayson County area, offering umbrella insurance policies. These policies provide additional liability coverage beyond standard home and auto limits. Umbrella insurance protects local residents and property owners against large claims or lawsuits. It acts as a safety net for unexpected incidents on your property or while driving. The agency helps clients assess personal risk and select appropriate coverage levels. It handles personal umbrella insurance and supplementary liability protection for homeowners.
Oden Insurance provides umbrella liability coverage that extends protection beyond standard policy limits for individuals and businesses in Denison, TX. This service focuses on personal and commercial umbrella policies that offer additional peace of mind against major claims. Client accounts are maintained through regular reviews with an agent to ensure adequate coverage thresholds keep pace with evolving asset levels and risk exposure. The agency services single-family homes, apartments, retail shops, and restaurants throughout the local area.
David Means: Allstate Insurance serves homeowners, businesses, and property managers in Denison, Texas, who need umbrella insurance to extend liability protection beyond standard policies. This agency helps clients secure coverage for large claims that could otherwise threaten assets or savings. Umbrella policies work by providing additional limits after primary insurance is exhausted, offering peace of mind for those with substantial wealth or significant property investments. The agency also covers surrounding areas of Grayson County, including nearby Sherman.
Jim McClure - State Farm Insurance Agent in Denison, TX offers umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. Unlike one-time event-specific policies, this recurring annual coverage protects assets and future earnings from major claims. The service operates on a scheduled basis, with annual renewals and policy reviews to ensure adequate protection as circumstances change.
Serving Denison, Texas, and the surrounding communities, Charles Holder Insurance Agency, Inc. handles umbrella insurance policies. This type of coverage provides extra liability protection that extends beyond the limits of standard home and auto policies. It assists clients in safeguarding their assets against major claims or lawsuits. A typical job for the agency involves assessing a client's existing coverage, evaluating their potential risk exposure, and then recommending an appropriate policy limit that fills the gap in protection.
As an umbrella insurance agent in Denison, Texas, Phillips Insurance Agency provides additional liability coverage that extends beyond the limits of standard home and auto policies. It safeguards clients against large claims and lawsuits that could otherwise deplete personal assets. The agency serves the local Denison area by carefully assessing each customer’s unique risk exposure and tailoring protection to fill coverage gaps. During seasonal storms or when hosting large family gatherings, this extra layer of insurance becomes especially critical for protecting property and long-term financial security.
When spring storms threaten homes across Grayson County, the need for adequate personal liability coverage becomes clear. Bayless-Hall Insurance Inc in Denison, TX assists residents by offering umbrella insurance policies that extend protection beyond standard homeowners and auto limits. These policies help shield assets from major claims or lawsuits that could otherwise be financially devastating. The process begins with a review of current coverage and a discussion of individual risk factors. A complementary initial assessment can be scheduled to evaluate client vulnerability and determine appropriate policy thresholds.
Hempkins Insurance, located in Denison, Texas, provides umbrella insurance coverage through both one-time policy purchases and recurring annual renewals. Unlike standard liability policies, umbrella coverage offers an additional layer of protection that begins when underlying policy limits are exhausted. This extended liability coverage safeguards local clients from major claims and lawsuits that might otherwise threaten personal assets. Depending on the client’s risk exposure and preference, service for this Denison agent’s umbrella policies typically runs on either a one-time annual renewal or is managed on an as-needed basis for policy adjustments.
Texas Farm Bureau Insurance Company in Denison, Texas, offers umbrella insurance agency services that provide extra liability protection beyond standard policies. It generally works with area residents and property owners to increase coverage limits for added financial security. This is especially valuable during the rainy season, when increased flood risks on area driveways and walkways can lead to unexpected slip-and-fall claims against a homeowner.
FIND INSURANCE AGENCY PLLC handles general insurance needs for clients across Denison, Texas. Its specific focus includes umbrella insurance, which provides additional liability coverage beyond standard policy limits. This added layer of protection assists individuals and businesses in managing serious financial risks. The agency works with commercial sectors requiring robust coverage, including professional offices, warehouses, and food service operations.
What Does an a Umbrella Insurance Agent in Denison Cost?
Typical umbrella insurance in Texas costs between 150 and 400 dollars per year for 1 million dollars of coverage. Each additional million usually adds 50 to 150 dollars per year. Rates vary based on your claims history number of vehicles and property risks. This is general information not insurance advice.
About umbrella insurance agents in Denison
Umbrella insurance agents in Denison Texas help you add a layer of liability protection above your auto and homeowners policies. Texas law does not require umbrella insurance but it can cover legal costs and judgments from accidents or incidents on your property. Local agents understand the specific liability risks in Grayson County and can tailor coverage to your needs.
Frequently Asked Questions
What does umbrella insurance cover in Texas?
Umbrella insurance covers personal liability claims that exceed the limits of your underlying auto or home insurance. This includes bodily injury property damage and personal injury such as slander or libel. Texas courts often award high judgments so umbrella coverage can protect your assets.
How much umbrella insurance do I need in Denison Texas?
Most agents recommend at least 1 million dollars in umbrella coverage. The right amount depends on your net worth income and potential liability risks. A local agent can review your assets and suggest a limit that fits your situation.
Do I need umbrella insurance if I have a pool or trampoline in Denison?
Yes these features increase your liability risk. Texas premises liability law holds property owners responsible for injuries on their land. Umbrella insurance can cover legal fees and settlements if a guest is injured on your property.
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