The top-rated umbrella insurance agent in Lubbock, Texas is Grimes Insurance Agency Inc., rated 4.9 stars across 1,269 reviews. Other highly rated options include LSM Insurance Agency, Farmers Insurance - Jonathan Shaw, Pirkle Weir Insurance Agency. This directory lists 20 umbrella insurance agents serving Lubbock.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Grimes Insurance Agency Inc. | 8917 Milwaukee Ave | (806) 762-0544 |
| 2 | LSM Insurance Agency | 7204 Joliet Ave Suite 1 | (806) 792-7098 |
| 3 | Farmers Insurance - Jonathan Shaw | 8605 Milwaukee Ave Ste 103 | (806) 705-7141 |
| 4 | Pirkle Weir Insurance Agency | 2509 86th St | (806) 368-7340 |
| 5 | Archgate Insurance | 5510 114th St #200 | (806) 705-7151 |
| 6 | Weston Taylor Insurance | 8207 Ithaca Ave # C | (806) 783-0130 |
| 7 | All Write Insurance Agency | 2413 20th St | (806) 763-2886 |
| 8 | The Shropshire Insurance Agency, Inc. | 5812 66th St | (806) 763-7311 |
| 9 | Alliance Insurance Agency | 2706 82nd St | (806) 792-0135 |
| 10 | Hettler Insurance Agency | 4720 S Loop 289 | (806) 798-7800 |
Grimes Insurance Agency Inc. serves the Lubbock, Texas metro area and the surrounding counties as a provider of umbrella insurance agent services. This agency helps local residents and businesses obtain additional liability coverage that extends beyond the limits of standard home, auto, or watercraft policies. It assists clients in securing protection against major claims and lawsuits that could otherwise threaten personal assets or business finances. Umbrella insurance is a critical layer of coverage for protecting future earnings and savings from unforeseen liability events.
LSM Insurance Agency in Lubbock, TX, offers umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. The agency assists clients in evaluating their risk exposure and selecting appropriate coverage levels. Its service approach focuses on clearly explaining policy terms and helping to coordinate umbrella protection with existing insurance plans. Maintenance typically involves annual policy reviews to adjust coverage as client assets or circumstances change. LSM Insurance Agency serves a variety of properties, including single-family homes, apartment complexes, retail establishments, and restaurants.
Homeowners, businesses, and property managers in Lubbock, Texas turn to Farmers Insurance - Jonathan Shaw for umbrella insurance agent services. This agency helps clients secure additional liability coverage that extends beyond the limits of standard home or auto policies, protecting assets from major claims and lawsuits. It also offers guidance on evaluating personal risk exposure for comprehensive financial protection. The agency further serves clients in the surrounding South Plains communities, including nearby Wolfforth.
Based in Lubbock, Texas, Pirkle Weir Insurance Agency serves clients across the South Plains and surrounding communities, handling all forms of umbrella liability coverage. The agency writes personal and commercial umbrella policies that extend liability protection above standard auto, home, or business insurance limits. Each policy is designed to shield assets from major lawsuits and large claims that surpass underlying coverage. The agency approaches every job by first reviewing a client’s existing policies to ensure the umbrella layers fit correctly with current coverage gaps and risk exposures.
Archgate Insurance in Lubbock, TX, distinguishes between standard umbrella policies, which offer ongoing liability coverage above primary home and auto limits, and single-occurrence policies arranged for a specific project or event. This additional layer of protection helps safeguard assets against costly lawsuits resulting from common incidents like a dog bite or guest injury. For residents needing broader liability security beyond their existing policies, umbrella insurance is a practical supplement. Service runs on either a one-time basis for a particular need or as an ongoing, regularly scheduled policy.
Spring hailstorms in Lubbock often catch homeowners off guard, so Weston Taylor Insurance provides tailored umbrella policies that extend liability protection beyond standard home and auto coverage. These policies are designed to shield local residents from major claims that could otherwise threaten their financial security. Serving the Lubbock area, the agency focuses on matching each client with appropriate coverage for their unique lifestyle and asset profile. An initial consultation is arranged to review existing insurance limits and assess potential exposure before any policy recommendation is made.
All Write Insurance Agency in Lubbock, TX, provides umbrella insurance agent services, specializing in extending liability protection beyond standard home and auto policies. It helps clients safeguard their assets from major claims and lawsuits. The agency works with individuals and local business owners to assess exposure and secure appropriate policy limits. As seasonal celebrations and increased travel arise around the holidays, it assists clients in reviewing coverage to address the elevated risks these activities often introduce.
The Shropshire Insurance Agency, Inc. in Lubbock, TX, works with clients to structure comprehensive liability protection through standard policies. It specializes in adding umbrella insurance coverage, which extends higher liability limits beyond the base terms of auto, home, or watercraft policies to help shield personal assets from substantial claims. This supplemental layer of protection is frequently arranged for small business operators and commercial property owners. The agency can serve sectors including offices, warehouses, and food service.
Alliance Insurance Agency in Lubbock, Texas, is known for providing personal umbrella insurance policies that extend liability coverage beyond standard auto and homeowners limits. The agency serves local residents and families seeking added financial protection against major claims or lawsuits. It assists clients in assessing their existing coverage gaps and determining appropriate umbrella policy levels. An additional service the agency can offer is bundling excess liability protection with an existing homeowners policy for streamlined management.
Hettler Insurance Agency in Lubbock, TX provides personal umbrella insurance to residential clients, offering added liability protection beyond standard homeowners and auto policies. For commercial accounts, the agency tailors excess liability coverage to safeguard businesses from major claims. Service extends throughout the Lubbock area, supporting policyholders with local expertise. The practice routinely follows up with clients between regular policy periods to adjust coverage as needs evolve, ensuring continued protection aligns with changing life or business circumstances.
What Does an a Umbrella Insurance Agent in Lubbock Cost?
In Texas, a one million dollar umbrella policy typically costs between 150 and 300 dollars per year. Higher limits of two to five million dollars may cost 300 to 700 dollars annually. Costs vary based on your driving record, number of properties, and other risk factors. This is general information and not insurance advice.
About umbrella insurance agents in Lubbock
Umbrella insurance agents in Lubbock Texas help you secure additional liability coverage that goes beyond your standard auto and homeowners policies. Texas law does not require umbrella insurance, but it can protect your savings and future income from large lawsuits. Local agents understand the risks specific to the South Plains region, including accidents on rural roads and liability from rental properties.
Frequently Asked Questions
What does an umbrella insurance agent in Lubbock do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims above the limits of your auto or home insurance. They assess your assets and risk factors to recommend appropriate coverage amounts. In Texas, umbrella policies often start at one million dollars in coverage.
How much umbrella insurance do I need in Texas?
The amount you need depends on your assets and potential lawsuit exposure. Many Texas agents suggest coverage equal to your net worth plus future income. Common limits are one million to five million dollars.
Does umbrella insurance cover legal fees in Texas?
Yes, umbrella policies typically cover legal defense costs for covered claims. Texas law allows insurers to provide this coverage. The policy pays for your attorney and court costs up to the policy limit.
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