The top-rated umbrella insurance agent in Norfolk, Virginia is Manuel G Nofplot III Insurance Agency Inc, rated 5.0 stars across 131 reviews. Other highly rated options include Salzberg Insurance Agency, Gifford Insurance, AAA Norfolk Insurance and Member Services. This directory lists 18 umbrella insurance agents serving Norfolk.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Manuel G Nofplot III Insurance Agency Inc | 7925 Halprin Dr | (757) 583-2100 |
| 2 | Salzberg Insurance Agency | 249 E Little Creek Rd | (757) 583-1828 |
| 3 | Gifford Insurance | 1547 E Little Creek Rd | (757) 583-2341 |
| 4 | AAA Norfolk Insurance and Member Services | 158 E Little Creek Rd | (757) 622-5634 |
| 5 | Farmers Insurance - Carrie Lewis Agency | 330 W 22nd St Suite 103 | (757) 690-7418 |
| 6 | Ashley & Associates Insurance | 834 Widgeon Rd | (757) 855-3151 |
| 7 | CWP Insurance Advisors Inc. | 7607 Sewells Point Rd ste c | (757) 963-8499 |
| 8 | Goosehead Insurance - Christopher Linzey | 900 Granby St Suite 110 | (757) 916-7873 |
| 9 | Strange Insurance Agency | 223 E City Hall Ave | (757) 937-7522 |
| 10 | Nusbaum Insurance Agency | 403 Boush St # 300 | (757) 622-4653 |
Manuel G Nofplot III Insurance Agency Inc serves the Norfolk, Virginia metro area as a provider of umbrella insurance coverage. Umbrella liability policies offer an extra layer of protection beyond standard auto and homeowners limits. The agency assists clients in selecting appropriate policy amounts to safeguard personal assets against major claims. It also helps evaluate potential exposure risks common to coastal Virginia properties. Among its local services, the agency writes personal umbrella policies and coordinates underlying coverage requirements for Norfolk residents.
Salzberg Insurance Agency in Norfolk, VA provides umbrella insurance coverage that extends beyond the limits of standard homeowners or auto policies. Its advisors evaluate a client’s existing liability risks and recommend appropriate additional protection for unforeseen major claims. The agency also reviews policies annually to adjust coverage as personal circumstances change. It services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants throughout the Norfolk area.
Gifford Insurance serves homeowners, businesses, and property managers in Norfolk, Virginia, seeking personal umbrella liability coverage beyond their underlying policies. The agency helps clients extend their protection against major claims and lawsuits arising from accidents or property incidents. It assists with policy reviews to ensure adequate coverage limits are maintained across auto, home, and commercial lines. Residents and business owners benefit from this added layer of security for unexpected liability events. Gifford Insurance also covers clients in the neighboring community of Chesapeake.
AAA Norfolk Insurance and Member Services serves Norfolk, VA, and the surrounding Hampton Roads communities, handling umbrella insurance policies for both residential and commercial clients. These policies provide extra liability coverage beyond standard homeowners or auto limits, offering broader protection for unforeseen events. The agency typically evaluates an individual’s or business’s current risk exposure first, then recommends a tailored coverage amount to address specific vulnerabilities. It follows a straightforward approach, reviewing each client’s existing policies and identifying gaps, then coordinating the umbrella layer to align with those underlying coverages.
Customers seeking umbrella insurance can choose either a standalone one-time policy or a recurring annual renewal tailored to their evolving liability needs. Farmers Insurance - Carrie Lewis Agency, located in Norfolk, VA, helps local clients secure additional coverage beyond standard auto or homeowners policies. This extra layer protects against major claims and lawsuits. The agency structures its service on an as-needed basis for initial consultations and ongoing support, with policy reviews and adjustments available upon the client's request for each renewal period.
Ashley & Associates Insurance specializes in umbrella insurance, providing an additional layer of liability protection beyond standard auto and homeowners policies. Serving the Norfolk, VA area, the agency assists clients in assessing their risk exposure to secure appropriate supplemental coverage for major claims. This extra policy can cover legal costs and damages that could otherwise deplete personal assets. It is often recommended to help protect against significant financial loss resulting from a severe accident on the property or a collision involving a driver’s own vehicle during the winter season.
With the arrival of spring storms and increasing coastal flood risks in the Norfolk area, demand for additional liability protection often rises. CWP Insurance Advisors Inc. operates as an umbrella insurance agent, helping clients extend coverage beyond standard home and auto policies. This service aims to safeguard assets against significant claims and lawsuits. The process begins with a thorough review of existing policies and personal exposures. An initial assessment of your current coverage limits and potential risks is typically conducted to determine the appropriate umbrella policy.
Goosehead Insurance - Christopher Linzey serves Norfolk, Virginia homeowners seeking umbrella insurance to extend liability protection beyond standard policies. The agency also assists local businesses with commercial umbrella coverage for broader risk management throughout the area. These policies provide an added layer of security against major claims. Clients can return for policy adjustments or annual reviews between regular visits, ensuring their coverage continues to match changing personal or commercial needs.
Strange Insurance Agency helps individuals and businesses in Norfolk, Virginia, secure general liability coverage. As a specialized umbrella insurance agent, the company focuses on providing an extra layer of liability protection beyond standard policy limits. This added coverage addresses substantial claims and lawsuits that might otherwise threaten personal or business assets. The agency evaluates each client’s exposures to determine appropriate extended liability limits. Its commercial insurance services can serve various sectors, including offices, warehouses, and food service operations, ensuring broader protection for these distinct risk environments.
Nusbaum Insurance Agency in Norfolk, VA is known for providing umbrella insurance coverage that extends liability protection beyond standard home and auto policies. The firm serves local residents and small business owners who seek additional financial safeguards against unforeseen claims. Their agents assess individual risk profiles to recommend appropriate policy limits for enhanced security. This service is particularly useful for property owners with assets to shield. A specialty service they can offer is personal liability umbrella insurance tailored for high-net-worth clients with unique exposures.
What Does an a Umbrella Insurance Agent in Norfolk Cost?
Typical costs for a 1 million dollar umbrella insurance policy in Virginia range from 150 to 300 dollars per year. Higher limits such as 2 million or 5 million may cost 300 to 600 dollars annually. Factors like your driving record, number of properties, and prior claims affect the premium. This is general information and not insurance advice.
About umbrella insurance agents in Norfolk
Umbrella insurance agents in Norfolk Virginia help residents secure extra liability coverage beyond standard home and auto policies. Virginia law does not require umbrella insurance but it can protect your savings and future earnings. Agents in Norfolk understand local risks such as waterfront property liability and high traffic areas near the Hampton Roads Bridge-Tunnel.
Frequently Asked Questions
What does an umbrella insurance agent in Norfolk do?
An umbrella insurance agent in Norfolk helps you assess your personal liability risks and find a policy that covers claims above your primary insurance limits. They review your assets and driving history to recommend appropriate coverage amounts. The agent also explains how Virginia law affects policy terms and exclusions.
How much umbrella insurance do I need in Virginia?
Most agents recommend at least 1 million dollars in umbrella coverage for Virginia residents with significant assets. The exact amount depends on your net worth, income, and potential liability from activities like owning a rental property or a boat. An agent can run a personal risk assessment to determine the right limit for you.
Are there Virginia-specific rules for umbrella insurance?
Yes, Virginia follows a contributory negligence rule which can bar recovery if you are even slightly at fault in a lawsuit. This makes umbrella coverage important because defense costs can be high even if you win. Also Virginia law sets minimum auto liability limits at 25,000 dollars per person and 50,000 dollars per accident which umbrella policies can supplement.
Umbrella Insurance Agents in Other Virginia Cities
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