The top-rated umbrella insurance agent in Pasadena, Texas is Affordable Quality Insurance, rated 4.9 stars across 593 reviews. Other highly rated options include L.A. Insurance, Acceptance Insurance, Ai United Insurance. This directory lists 20 umbrella insurance agents serving Pasadena.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Affordable Quality Insurance | 1411 S Richey St | (832) 426-4203 |
| 2 | L.A. Insurance | 3915 Shaver St | (713) 271-2626 |
| 3 | Acceptance Insurance | 3809 Shaver St #160 | (713) 766-4267 |
| 4 | Ai United Insurance | 2222 Southmore Ave C | (713) 477-0500 |
| 5 | The Serrano Insurance Agency | 3207 Preston Ave | (281) 937-4388 |
| 6 | Freeway Insurance | 124 Southmore Ave | (713) 364-0430 |
| 7 | Ken Phelps- State Farm Insurance Agent | 4207 Fairmont Pkwy | (281) 998-5000 |
| 8 | TIA- Texas Insurance Agency | 2714 Red Bluff Rd | (713) 893-3432 |
| 9 | AIM Insurance of Texas - Houston | 3322 Shaver St | (713) 947-3434 |
| 10 | Southern Group Insurance Agency | 2610 Pasadena Blvd | (281) 857-6359 |
Affordable Quality Insurance serves Pasadena, Texas, and surrounding Harris County as a local provider of umbrella insurance agent services. The company helps clients obtain additional liability coverage that extends beyond the limits of standard home and auto policies. This extra layer of protection is designed to safeguard personal assets from major claims or lawsuits. Affordable Quality Insurance guides customers through the process of evaluating their risk exposure and selecting appropriate umbrella limits. It handles both personal umbrella policies and excess liability coverage for residential clients in this area.
Serving Pasadena, Texas, and the surrounding communities of the Houston metropolitan area, L.A. Insurance handles individual and commercial umbrella policies that extend liability coverage beyond standard home or auto limits. The agency addresses the need for additional financial protection against major claims or lawsuits that could otherwise threaten personal assets. To manage a typical job, it reviews a client’s existing insurance portfolio to identify coverage gaps and then tailors an umbrella solution designed to integrate seamlessly with the primary policies.
Acceptance Insurance, serving the Pasadena, Texas area, distinguishes between a one-time policy purchase and an ongoing scheduled relationship with its clients. As an umbrella insurance agent, the firm helps residents secure extended liability coverage that goes beyond the limits of standard auto and homeowners policies. This additional protection is designed to safeguard personal assets against major claims and lawsuits. Coverage is offered on a one-time, scheduled, or as-needed basis, allowing clients to adjust their protection according to changing circumstances.
As an umbrella insurance agent in Pasadena, Texas, Ai United Insurance offers specialty services that extend liability coverage beyond standard auto, homeowners, or boat policies. The company generally helps local residents protect assets, including savings and future earnings, from major claims or lawsuits. It assists in evaluating individual risk profiles to recommend appropriate excess liability coverage amounts. For many clients in the Pasadena area, the agent specifically addresses a seasonal concern by helping families increase coverage during hurricane season when storm-related accidents or property damage can prompt unforeseen liability.
The Serrano Insurance Agency in Pasadena, Texas, provides personal and commercial umbrella insurance coverage designed to extend liability protection beyond existing policies. The agency offers assistance with initial policy selection and coordinates with clients' primary insurers to ensure seamless service updates and renewal maintenance. For ongoing coverage, clients may schedule periodic liability reviews to assess changing risk exposure. The agency serves a variety of property types, including single-family homes, apartments, retail spaces, and restaurants seeking supplemental liability layers against unforeseen claims.
As hurricane season brings heavy rains and strong winds to Pasadena, Texas, Freeway Insurance helps local homeowners and drivers protect themselves from liability claims that exceed standard policy limits. This agency focuses on umbrella insurance, which adds an extra layer of coverage for major accidents or property damage. Their agents work with clients in the area to assess personal assets and potential risks. An initial consultation usually involves a thorough review of existing policies and assets to determine the appropriate coverage level needed.
Ken Phelps- State Farm Insurance Agent in Pasadena, TX, serves homeowners, businesses, and property managers seeking personal liability protection and business coverage gaps. The agency helps clients secure umbrella insurance policies that extend beyond standard home and auto limits, offering added financial security against major claims or lawsuits. Tailored policies address local risks common in the Houston metro area, including flood and storm liability exposures. This agency also provides services to clients in nearby Deer Park and the broader Harris County region.
TIA- Texas Insurance Agency in Pasadena, TX helps clients choose between one-time liability gap-filling and a recurring annual umbrella policy that expands existing auto or homeowners coverage. Umbrella insurance professionals in this area assist homeowners and drivers in protecting assets against major claims or lawsuits. A standard policy typically extends liability limits beyond underlying policies while covering certain exclusions. Services from TIA- Texas Insurance Agency for umbrella insurance are provided on an as-needed basis, with flexibility for policy reviews upon client request.
AIM Insurance of Texas - Houston in Pasadena provides specialized umbrella insurance agent services for obtaining excess personal liability coverage beyond standard auto and home policies. It works with clients to protect substantial assets against large claims or lawsuits. Everyday activities such as hosting events or having a teenage driver increase exposure to costly accidents that can exceed underlying limits. The agent helps prepare local homeowners for seasonal hurricane claims, as storm damage lawsuits often trigger umbrella coverage requirements.
Southern Group Insurance Agency in Pasadena, Texas, assists clients in Pasadena with personal and commercial liability coverage. The agency specializes in umbrella insurance, which provides additional liability protection beyond standard policy limits. These policies help cover costs from major accidents or lawsuits, offering clients extra financial security. The agency serves various commercial sectors, including office buildings, warehouses, and food service establishments.
What Does an a Umbrella Insurance Agent in Pasadena Cost?
In Texas, a one million dollar umbrella policy typically costs between 150 and 300 dollars per year. Higher coverage limits of two to five million dollars may cost 300 to 800 dollars annually. Your actual premium depends on factors like your driving record, home value, and number of properties. This is general information and not insurance advice.
About umbrella insurance agents in Pasadena
Umbrella insurance agents in Pasadena Texas help you secure extra liability coverage that goes beyond your home and auto policies. This added protection is important because Texas law does not cap certain personal injury damages, leaving your assets at risk in a lawsuit. A local agent can explain how an umbrella policy can cover legal costs and settlements above your primary insurance limits.
Frequently Asked Questions
What does an umbrella insurance agent in Pasadena do?
An umbrella insurance agent helps you buy a policy that provides additional liability coverage after your home or auto insurance limits are used up. They assess your personal risk and recommend coverage amounts. This is especially useful in Texas where lawsuits can result in large judgments.
How much umbrella coverage do I need in Texas?
Most agents in Pasadena suggest starting with one million dollars in umbrella coverage. Your needs depend on your assets, income, and potential risks like owning a pool or rental property. Texas courts can award large sums, so higher limits may be wise for high net worth individuals.
Is umbrella insurance required by law in Texas?
No, umbrella insurance is not required by Texas law. However, it is strongly recommended for anyone with significant assets or liability exposure. Texas does not cap damages in most personal injury cases, making umbrella coverage a smart financial safeguard.
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