The top-rated umbrella insurance agent in Chesapeake, Virginia is Michelle Benson-Dumas - State Farm Insurance Agent, rated 5.0 stars across 270 reviews. Other highly rated options include Centerville Insurance Agency, Ferguson Insurance Center, Garlow Insurance Agency - Nationwide Insurance. This directory lists 20 umbrella insurance agents serving Chesapeake.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michelle Benson-Dumas - State Farm Insurance Agent | 1428 Kempsville Rd ste b | (757) 819-6733 |
| 2 | Centerville Insurance Agency | 516 Innovation Dr Ste 301 | (757) 420-0006 |
| 3 | Ferguson Insurance Center | 1407 Stephanie Way Ste A | (757) 201-3000 |
| 4 | Garlow Insurance Agency - Nationwide Insurance | 312 Cedar Lakes Dr suite 201 | (757) 548-1515 |
| 5 | AAA Chesapeake Insurance and Member Services | 111 Kempsville Rd | (757) 547-9741 |
| 6 | Jessica Hester - State Farm Insurance Agent | 1245 Cedar Rd J | (757) 481-1840 |
| 7 | Nina Ambrose - State Farm Insurance Agent | 800 Juniper Crescent ste c | (757) 413-5025 |
| 8 | COVA Insurance | 638 Independence Pkwy Ste 220 | (757) 410-5800 |
| 9 | Nationwide Insurance: W T Jennings Insurance Agency Inc. | 676 Battlefield Blvd N Ste A | (757) 549-2447 |
| 10 | McBride Group Inc. | 1021 Eden Way N # 104 | (757) 410-9955 |
Michelle Benson-Dumas - State Farm Insurance Agent serves the Chesapeake, VA metro area with personal insurance solutions. An umbrella insurance agent provides extra liability coverage that goes beyond standard home and auto policies for added financial protection. This agency helps clients safeguard their assets against major claims and lawsuits. Policies offer broad coverage that can apply to incidents involving property damage, bodily injury, or personal liability situations. Services include writing umbrella policies for households with multiple vehicles and homes, and coordinating coverage limits with existing insurance for comprehensive risk management.
Centerville Insurance Agency provides umbrella insurance coverage designed to extend liability protection beyond standard policy limits. Its service approach includes personalized consultations to help clients assess potential gaps in their existing insurance, followed by the preparation of suitable additional coverage options. Maintenance support involves periodic policy reviews to adjust limits as circumstances change. The agency serves a range of property types in Chesapeake, VA, including single-family homes, apartments, retail spaces, and restaurants.
Homeowners, businesses, and property managers in the Chesapeake, VA area rely on this agent for umbrella insurance policies that provide added liability coverage beyond standard limits. The agent works with clients to assess personal and commercial risks, offering policies that can help protect assets from major claims and lawsuits. Their services extend to communities throughout the Hampton Roads metro region, including neighboring Norfolk and Virginia Beach.
Garlow Insurance Agency - Nationwide Insurance serves clients in Chesapeake, Virginia, and the surrounding Hampton Roads communities. As an umbrella insurance agent, it handles policies that provide extra liability coverage beyond standard auto, home, or watercraft insurance. This additional protection can help safeguard personal assets and future earnings from major claims or lawsuits. For a typical job, the agency begins by reviewing an individual’s existing underlying policies, then determines the appropriate limit of umbrella coverage needed to fill potential gaps.
AAA Chesapeake Insurance and Member Services provides umbrella insurance in Chesapeake, VA. Clients may choose a one-time policy setup or recurring updates as their needs evolve. Coverage extends personal liability protection beyond standard home and auto limits. Policies address common regional risks such as waterfront properties and busy local roads. Each consultation reviews current policies to identify coverage gaps. Service operates on an as-needed basis, with clients scheduling reviews or adjustments when lifestyle changes occur.
Jessica Hester's agency in Chesapeake, VA specializes in umbrella insurance policies, which provide extra liability coverage beyond standard homeowners or auto policies. The agency offers general insurance services, working to help clients protect their assets and future financial stability. It addresses common coverage gaps that can arise from accidents on one's property or from auto incidents. This agency helps residents manage the increased liability risks that often accompany holiday gatherings or hosting summer pool parties at their homes.
Nina Ambrose - State Farm Insurance Agent in Chesapeake, VA, provides general insurance services that address risk management for individuals and businesses. The agency specializes in umbrella insurance, offering extra liability coverage beyond standard policy limits to help protect personal assets. The agent works with commercial sectors, routinely serving local offices, retail locations, warehouses, and food service operations to help safeguard their financial stability.
Coastal storms here in Chesapeake can leave homeowners assessing damage from fallen limbs or flooded basements, where a single liability claim might exceed standard policy limits. COVA Insurance helps residents address that gap by providing personal umbrella coverage that extends protection beyond auto and homeowners policies. Their process begins with a review of existing coverage to identify potential exposure points and recommend appropriate additional liability limits. An initial consultation typically involves a brief risk inspection around the property and an assessment of current insurance declarations.
Nationwide Insurance: W T Jennings Insurance Agency Inc. in Chesapeake, VA, helps local homeowners protect their properties and assets through residential umbrella insurance coverage. The agency also offers commercial umbrella policies for businesses seeking additional liability protection beyond standard limits. Their team serves clients throughout Chesapeake and the surrounding Hampton Roads region. After an initial policy purchase, the agency provides ongoing support and coverage reviews, ensuring clients receive follow-up service between their regular insurance policy cycles to address any changing liability needs.
McBride Group Inc., located in Chesapeake, VA, is known for providing umbrella insurance coverage that extends liability protection beyond standard home and auto policies. The company assists clients in safeguarding their assets against major claims and lawsuits within the local area. Their service range includes tailoring excess liability limits for personal and residential needs, helping policyholders achieve greater financial security. For an added layer of protection, the firm can also coordinate business-related umbrella coverage for small enterprises or side ventures.
What Does an a Umbrella Insurance Agent in Chesapeake Cost?
The cost of an umbrella insurance policy in Virginia typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars cost more, usually 200 to 500 dollars annually. Your premium depends on your risk factors such as driving record, property value, and number of vehicles. This is general information and not insurance advice.
About umbrella insurance agents in Chesapeake
Umbrella insurance agents in Chesapeake Virginia help you secure additional liability coverage beyond your standard auto and homeowners policies. Virginia law requires minimum auto liability limits, but an umbrella policy can provide extra protection for major claims or lawsuits. Agents can tailor coverage to your specific needs and assets.
Frequently Asked Questions
What does an umbrella insurance agent in Chesapeake do?
An umbrella insurance agent in Chesapeake helps you purchase a personal liability umbrella policy. This policy provides extra coverage above your existing auto and home insurance limits. The agent assesses your risk and recommends an appropriate coverage amount.
How much umbrella insurance do I need in Virginia?
Most agents recommend at least 1 million dollars in umbrella coverage. Virginia courts can award large judgments in liability cases. Your agent will consider your assets and income to determine the right limit for you.
Do I need umbrella insurance if I have a home in Chesapeake?
Yes, if you own a home or have significant savings, umbrella insurance is wise. Virginia law does not require it, but it protects your assets from lawsuits. An agent can explain how it covers incidents like dog bites or guest injuries on your property.
Umbrella Insurance Agents in Other Virginia Cities
Annandale · Arlington · Ashburn · Blacksburg · Centreville · Chantilly · Charlottesville · Chester · Fairfax · Fredericksburg · Gainesville · Glen Allen · Hampton · Harrisonburg · Herndon