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Find Umbrella Insurance Agents Near You in Pharr, TX

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

The top-rated umbrella insurance agent in Pharr, Texas is Contigo Insurance Agency, rated 4.9 stars across 96 reviews. Other highly rated options include RG Insurance Agency, Clark Insurance Plus: Allstate Insurance, B & B Insurance Agency LLC. This directory lists 19 umbrella insurance agents serving Pharr.

Showing 19 umbrella insurance agents in Pharr, TXListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Contigo Insurance Agency1101 N Cage Blvd #5B(956) 782-2443
2RG Insurance Agency208 W Ferguson Ave STE 4(956) 702-2705
3Clark Insurance Plus: Allstate Insurance900 N Sugar Rd Ste A(956) 283-5815
4B & B Insurance Agency LLC300 E Expressway 83 ste j(956) 782-8686
5Olympia Insurance Services, LLC. | Commercial Insurance Specialist800 S Cage Blvd STE E(956) 884-4912
6World Insurance Associates LLC101 E Delta St Suite C-D(956) 627-2521
7Mancha Insurance Agency2114 N Cage Blvd(956) 781-6581
8Reliability Insurance Texas1501 S Cage Blvd(956) 663-1756
9Agents Direct Insurance314 S Cage Blvd(956) 787-7600
10Nicky's Insurance Agency806 Del Oro Ln(956) 787-4222
CI
1101 N Cage Blvd #5B
Contigo Insurance Agency
Umbrella Insurance Agent · Pharr, TX

Contigo Insurance Agency in Pharr, Texas serves homeowners, businesses, and property managers seeking extra liability coverage beyond standard policies. Umbrella insurance agents here help clients protect assets by providing additional coverage limits that start after base policy amounts are exhausted. The agency handles claims and policy adjustments for liabilities such as property damage or personal injury lawsuits. Contigo Insurance Agency also covers clients in the neighboring communities of McAllen and Mission throughout the Rio Grande Valley metro area.

RI
208 W Ferguson Ave STE 4
RG Insurance Agency
Umbrella Insurance Agent · Pharr, TX

RG Insurance Agency serves Hidalgo County and the Pharr area, specializing in umbrella insurance for local residents and businesses. This type of liability coverage extends beyond standard policies, offering additional financial protection for costly claims or lawsuits. The agency helps clients assess their risk exposure to determine appropriate policy limits. It provides personalized consultations to explain coverage needs based on property and assets. Umbrella insurance services also include tailored liability solutions for homeowners and drivers facing elevated risks from pools, rental properties, or multiple vehicles.

CI
900 N Sugar Rd Ste A
Clark Insurance Plus: Allstate Insurance
Umbrella Insurance Agent · Pharr, TX

Homeowners, business owners, and property managers in Pharr, TX, turn to Clark Insurance Plus: Allstate Insurance for umbrella insurance policies that extend liability coverage beyond standard limits. These policies help protect personal assets and business holdings against major claims or lawsuits. An umbrella policy acts as an additional safety net for clients who face elevated risk exposure. The agency also serves clients in nearby McAllen and other communities throughout the greater Rio Grande Valley area.

BB
300 E Expressway 83 ste j
B & B Insurance Agency LLC
Umbrella Insurance Agent · Pharr, TX

B & B Insurance Agency LLC in Pharr, TX, provides umbrella coverage that extends liability protection beyond the limits of standard home or auto policies. It offers tailored policy options designed to shield clients from major claims and lawsuits. Routine policy reviews are part of its service to help ensure adequate coverage levels are maintained over time. This agency assists clients with properties including single-family homes, apartments, retail spaces, and restaurants.

OI
800 S Cage Blvd STE E
Olympia Insurance Services, LLC. | Commercial Insurance Specialist
Umbrella Insurance Agent · Pharr, TX

For one-time needs such as high-value asset protection or recurring annual policy reviews, Olympia Insurance Services, LLC operates as a commercial insurance specialist offering umbrella liability coverage in Pharr, TX. This extra layer of protection helps cover costs beyond standard policy limits for claims like bodily injury or property damage. Because every client situation differs, the company can tailor coverage limits and deductibles to fit specific exposure risks. Service runs on a one-time, scheduled, or as-needed basis depending on the client’s preference and changing circumstances.

WI
101 E Delta St Suite C-D
World Insurance Associates LLC
Umbrella Insurance Agent · Pharr, TX

World Insurance Associates LLC serves Pharr, Texas and the surrounding Rio Grande Valley communities, handling umbrella insurance policies that provide supplementary liability coverage beyond standard home and auto limits. The agency assists clients in protecting assets from major claims or lawsuits that could exceed primary coverage. Their approach involves evaluating each individual’s existing policies and risk exposure to determine appropriate additional limits. They then source a suitable policy from a carrier to extend protection, ensuring the coverage integrates smoothly with a client’s overall insurance portfolio.

MI
2114 N Cage Blvd
Mancha Insurance Agency
Umbrella Insurance Agent · Pharr, TX

Mancha Insurance Agency provides specialty umbrella insurance services, offering supplementary liability coverage that extends beyond standard policy limits. The agency serves clients throughout Pharr, TX, focusing on protective solutions for personal and business exposures. Its work includes assessing client risk profiles to recommend appropriate excess liability policies, addressing gaps left by auto or homeowners insurance. Local families and property owners often consult the agency when planning for potential accident-related lawsuits, particularly during the area’s busy holiday travel season when increased road activity raises the risk of liability claims.

RI
1501 S Cage Blvd
Reliability Insurance Texas
Umbrella Insurance Agent · Pharr, TX

Reliability Insurance Texas serves homeowners in Pharr seeking umbrella liability protection to extend coverage beyond standard policies. The agency also provides commercial umbrella policies for local businesses, helping safeguard assets across the Rio Grande Valley. Their service area encompasses Pharr and surrounding communities in Hidalgo County. Agents assist clients with policy limits and exclusions to close coverage gaps. Following an initial policy setup, the team typically contacts clients at renewal time to review any new exposures or adjust coverage levels between regular visits.

AD
314 S Cage Blvd
Agents Direct Insurance
Umbrella Insurance Agent · Pharr, TX

As storm season looms over the Rio Grande Valley, homeowners in Pharr often seek extra liability protection beyond standard policies. Agents Direct Insurance addresses this growing concern by providing clear guidance on umbrella insurance options tailored to local property values and travel patterns. Their agents evaluate each client’s existing auto and homeowners coverage to identify gaps that a personal umbrella policy can bridge. The process begins with a complimentary initial assessment of your current liability limits to determine the appropriate level of additional coverage.

NS
806 Del Oro Ln
Nicky's Insurance Agency
Umbrella Insurance Agent · Pharr, TX

Nicky's Insurance Agency offers guidance on general liability coverage for residents and businesses in Pharr, TX. Umbrella insurance extends beyond standard policy limits to provide additional protection against major claims. This specialty add-on helps safeguard personal assets and business holdings in an increasingly litigious environment. The agency assists with risk assessment for various commercial sectors including office buildings, warehouses, and food service operations.

AT
819 N Veterans Blvd
Alberto Trevino Insurance
Umbrella Insurance Agent · Pharr, TX
(956) 781-4415
FI
944 W Nolana Loop # A
Farmers Insurance - Lorena Martinez
Umbrella Insurance Agent · Pharr, TX
(956) 510-8727
agents.farmers.com/tx/pharr/lorena-martinez
JE
1336 E Med-Cap Dr
James E. Capt & Associates, LLC
Umbrella Insurance Agent · Pharr, TX
(956) 787-4989
FI
1006 S Cage Blvd Ste 4
Farmers Insurance - Laura Perez
Umbrella Insurance Agent · Pharr, TX
(956) 961-4357
agents.farmers.com/tx/pharr/laura-perez
SI
3003 S Cage Blvd
SafeGuard Insurance Agency
Umbrella Insurance Agent · Pharr, TX
(956) 787-4600
safeguardnow.com
AI
45030 W Eller Ave
AssureShield Insurance TX
Umbrella Insurance Agent · Pharr, TX
(956) 597-0395
AI
944 W Nolana Loop
Amigo Insurance Inc
Umbrella Insurance Agent · Pharr, TX
(956) 994-1868
CF
100 E Delta St #4
Cover Falcon Insurance Agency
Umbrella Insurance Agent · Pharr, TX
(956) 398-3223
RI
1115 W U.S. Hwy 83
Rimsel Insurance
Umbrella Insurance Agent · Pharr, TX
(956) 781-2104

What Does an a Umbrella Insurance Agent in Pharr Cost?

Umbrella insurance costs in Texas generally range from 150 to 300 dollars per year for one million dollars in coverage. Additional millions may cost 50 to 100 dollars each per year. Factors like driving record, number of properties, and claims history affect the premium. This is general information and not insurance advice.

About umbrella insurance agents in Pharr

Umbrella insurance agents in Pharr, Texas help residents secure additional liability coverage that kicks in after standard policies are exhausted. Texas law does not require umbrella insurance, but it can protect assets from large lawsuits common in border communities. Agents in Pharr can tailor policies to cover risks like auto accidents or property incidents specific to the Rio Grande Valley.

Frequently Asked Questions

What does an umbrella insurance agent in Pharr do?

An umbrella insurance agent in Pharr helps you buy a personal liability policy that adds coverage above your auto and homeowners limits. They assess your assets and risks to recommend an appropriate amount of extra protection.

How much umbrella coverage do I need in Texas?

Most agents suggest at least one million dollars in umbrella coverage, but the right amount depends on your net worth and potential lawsuit exposure. Texas courts allow large judgments, so higher limits may be wise for property owners or business professionals.

Does umbrella insurance cover legal defense costs in Texas?

Yes, umbrella policies typically cover legal defense costs for covered claims, even if the lawsuit is groundless. Texas law does not cap these defense costs, so the insurer pays them in addition to the liability limit.

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.