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Browse umbrella insurance agents serving Lakewood, Washington. Contact information and addresses listed below.
17 agents listed
Updated May 2026
Lakewood, WA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Washington before hiring.
Showing 17 umbrella insurance agents in Lakewood, WA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Umbrella insurance agents in Lakewood, Washington help you obtain a personal liability umbrella policy that provides additional coverage above your auto and homeowners insurance limits. Washington state law does not require umbrella insurance, but it can protect your savings and future earnings if you are sued for damages. Local agents understand the unique liability risks in the Pacific Northwest, such as accidents on wet roads or injuries on waterfront properties.
What Does a Umbrella Insurance Agent in Lakewood Cost?
In Washington, a 1 million dollar personal umbrella policy usually costs 150 to 300 dollars per year for a low-risk individual. Adding a second million in coverage may cost an additional 75 to 150 dollars annually. Factors that influence cost include your driving record, number of properties, and whether you have a swimming pool or dog. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent do in Lakewood?
An umbrella insurance agent helps you find a policy that covers claims exceeding your primary insurance limits. They assess your assets and risk factors to recommend appropriate coverage amounts. In Washington, umbrella policies typically start at 1 million dollars in coverage.
Who needs umbrella insurance in Washington?
Anyone with significant assets, a high income, or potential liability risks should consider umbrella insurance. This includes homeowners with rental properties, boat owners, and drivers with multiple vehicles. Washington law allows plaintiffs to seek damages for pain and suffering, so extra coverage can be valuable.
How much does umbrella insurance cost in Lakewood?
Umbrella insurance in Washington typically costs between 150 and 400 dollars per year for 1 million dollars in coverage. Rates depend on your risk profile, number of vehicles, and property value. Premiums are generally lower than the coverage amount because claims are rare.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Washington.