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Find Umbrella Insurance Agents Near You in Denison, TX

Browse umbrella insurance agents serving Denison, Texas. Updated 2026-07-14.

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.

Showing 12 umbrella insurance agents in Denison, TXListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Jake Shockley - State Farm Insurance Agent5101 Gateway Blvd Suite 107(903) 462-0152
2Oden Insurance618 W Woodard St(903) 465-0620
3David Means: Allstate Insurance120 S Austin Ave #102(903) 463-6751
4Jim McClure - State Farm Insurance Agent2220 W Morton St(903) 465-1103
5Charles Holder Insurance Agency, Inc.601 W Main St(903) 296-3829
6Phillips Insurance Agency212 W Main St(903) 465-3167
7Bayless-Hall Insurance Inc501 W Woodard St(903) 465-8383
8Hempkins Insurance431 W Crawford St(903) 463-6251
9Texas Farm Bureau Insurance Company122 W Main St(903) 463-4393
10FIND INSURANCE AGENCY PLLC1200 S Mirick Ave #103(940) 453-0916
JS
5101 Gateway Blvd Suite 107
Jake Shockley - State Farm Insurance Agent
Umbrella Insurance Agent · Denison, TX

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.

OI
618 W Woodard St
Oden Insurance
Umbrella Insurance Agent · Denison, TX

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.

DM
120 S Austin Ave #102
David Means: Allstate Insurance
Umbrella Insurance Agent · Denison, TX

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.

JM
2220 W Morton St
Jim McClure - State Farm Insurance Agent
Umbrella Insurance Agent · Denison, TX

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.

CH
601 W Main St
Charles Holder Insurance Agency, Inc.
Umbrella Insurance Agent · Denison, TX

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.

PI
212 W Main St
Phillips Insurance Agency
Umbrella Insurance Agent · Denison, TX

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.

BH
501 W Woodard St
Bayless-Hall Insurance Inc
Umbrella Insurance Agent · Denison, TX

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.

HI
431 W Crawford St
Hempkins Insurance
Umbrella Insurance Agent · Denison, TX

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.

TF
122 W Main St
Texas Farm Bureau Insurance Company
Umbrella Insurance Agent · Denison, TX

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.

FI
1200 S Mirick Ave #103
FIND INSURANCE AGENCY PLLC
Umbrella Insurance Agent · Denison, TX

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.

HS
207 N Fannin Ave
Hatfield & Son
Umbrella Insurance Agent · Denison, TX
(903) 465-0572
BI
101 E Main St #115A
Bach Insurance Group
Umbrella Insurance Agent · Denison, TX
(903) 813-1999

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.

Umbrella Insurance Agents in Other Texas Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.