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Find Umbrella Insurance Agents Near You in Decatur, AL

Browse umbrella insurance agents serving Decatur, Alabama. Updated 2026-07-14.

The top-rated umbrella insurance agent in Decatur, Alabama is Highstreet Kilgro Insurance Agency, rated 5.0 stars across 246 reviews. Other highly rated options include Acceptance Insurance, Providence Insurance, Standridge Insurance Group. This directory lists 19 umbrella insurance agents serving Decatur.

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

Comparison

Top 10 listings
#NameAddressPhone
1Highstreet Kilgro Insurance Agency439 Johnston St SE(256) 350-8241
2Acceptance Insurance1313 Point Mallard Pkwy C(256) 278-7028
3Providence Insurance107 Grant St SE(256) 277-1481
4Standridge Insurance Group713 6th Ave SE(256) 476-4068
5Freeway Insurance1624 Beltline Rd SW(256) 248-9795
6Akin & Associates Insurance Group - Priceville468 Hwy 67 S(256) 355-8500
7Ken Williams Insurance - Equity Insurance Group901 Wimberly Dr SW B(256) 552-5522
8Stovall-Marks Insurance2601 Danville Rd SW(256) 355-7951
9SHIELD INSURANCE (formerly) Insurance Services Gil & Vicki Terry1414 7th Ave SE(256) 552-7577
10Webb-Awtrey Agency - American National Insurance1904 Flint Rd SE(256) 355-8215
HK
439 Johnston St SE
Highstreet Kilgro Insurance Agency
Umbrella Insurance Agent · Decatur, AL

Highstreet Kilgro Insurance Agency serves Decatur, Alabama, and the surrounding Morgan County area, specializing in umbrella insurance policies. This type of coverage provides an additional layer of liability protection beyond standard home and auto policies. The agency helps clients guard against major claims and lawsuits that could otherwise exhaust their existing insurance limits. By strengthening overall financial security, this service is vital for residents with significant assets or potential risks. Highstreet Kilgro offers assistance with personal umbrella coverage and also handles excess liability insurance for local property owners.

AI
1313 Point Mallard Pkwy C
Acceptance Insurance
Umbrella Insurance Agent · Decatur, AL

Acceptance Insurance provides umbrella insurance coverage to residents of Decatur, Alabama, offering an extra layer of liability protection beyond standard auto and homeowners policies. This service helps safeguard personal assets from major claims and lawsuits commonly faced in the local area. The agency assists clients in assessing their individual situational needs. Umbrella policies can be tailored to cover various risks. Acceptance Insurance specializes in adding liquor liability coverage for establishments with associated exposures.

PI
107 Grant St SE
Providence Insurance
Umbrella Insurance Agent · Decatur, AL

Providence Insurance serves Decatur and surrounding Morgan County, Alabama, as a local provider of umbrella insurance agent services. The company helps clients secure additional liability coverage that extends beyond standard home and auto policy limits. This protection is designed to safeguard assets against major claims or lawsuits. Providence Insurance specifically handles the acquisition and review of personal umbrella policies for residents and businesses in the Decatur area. It also assists with the coordination of underlying coverage requirements.

SI
713 6th Ave SE
Standridge Insurance Group
Umbrella Insurance Agent · Decatur, AL

Standridge Insurance Group in Decatur, AL provides coverage as an umbrella insurance agent, offering supplemental liability protection that extends beyond the limits of standard auto, homeowners, or business policies. Its service plans include advising clients on policy limits to bridge coverage gaps, ensuring comprehensive asset protection, and assisting with claims coordination for larger liability events. The firm services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants, addressing the unique risk exposures found in each.

FI
1624 Beltline Rd SW
Freeway Insurance
Umbrella Insurance Agent · Decatur, AL

Freeway Insurance provides umbrella insurance coverage for clients in Decatur, Alabama, offering an extra layer of liability protection beyond standard policies. This service helps safeguard personal assets against major claims and lawsuits. The company manages its accounts regularly, working to adjust coverage as clients’ needs evolve. It services a variety of properties in the local area, including single-family homes, apartments, retail spaces, and restaurants.

AA
468 Hwy 67 S
Akin & Associates Insurance Group - Priceville
Umbrella Insurance Agent · Decatur, AL

Homeowners in the Priceville area, along with businesses and property managers, turn to Akin & Associates Insurance Group for umbrella insurance to protect against major liability claims. Coverage adds an extra layer of security above standard auto and homeowners policies, helping shield assets from unforeseen lawsuits. The firm serves clients in Decatur and offers its services to neighboring communities such as Hartselle throughout the metro area.

KW
901 Wimberly Dr SW B
Ken Williams Insurance - Equity Insurance Group
Umbrella Insurance Agent · Decatur, AL

For umbrella insurance, clients choose between a single policy to cover a specific event or recurring coverage that extends liability protection across multiple underlying policies year after year. Ken Williams Insurance - Equity Insurance Group, located in Decatur, AL, offers this type of personal excess liability insurance, which provides an additional layer of coverage beyond standard home or auto policies. This protection helps safeguard assets against major claims or lawsuits. Service appointments can be arranged on a one-time basis or scheduled as needed for policy reviews.

SM
2601 Danville Rd SW
Stovall-Marks Insurance
Umbrella Insurance Agent · Decatur, AL

Stovall-Marks Insurance serves Decatur, Alabama, and the surrounding communities with professional umbrella insurance agent services. It handles the evaluation of clients' existing liability coverage to identify potential gaps and recommends appropriate excess limits above primary policies. This approach helps protect personal assets against unforeseen claims and lawsuits. The company typically works by carefully reviewing each client's unique risk profile, assessing property holdings and lifestyle factors, and then structuring a policy that provides an additional layer of financial security.

SI
1414 7th Ave SE
SHIELD INSURANCE (formerly) Insurance Services Gil & Vicki Terry
Umbrella Insurance Agent · Decatur, AL

When local storms or unexpected liability risks challenge Decatur households, SHIELD INSURANCE (formerly) Insurance Services Gil & Vicki Terry provides umbrella insurance agent services to help clients secure extra protection beyond standard policies. Their work focuses on assessing personal assets and potential exposure to lawsuits, offering guidance on suitable coverage limits for property and auto exposures. The initial step involves a thorough inspection of your current policies and a detailed evaluation of your overall risk profile to determine appropriate umbrella options.

WA
1904 Flint Rd SE
Webb-Awtrey Agency - American National Insurance
Umbrella Insurance Agent · Decatur, AL

Webb-Awtrey Agency - American National Insurance specializes in umbrella insurance, extending liability protection beyond standard home and auto policies. The agency serves clients in Decatur, AL, assessing individual risks to customize coverage that safeguards personal assets and future earnings. It also evaluates underlying policy limits to ensure seamless integration. With the region’s severe storm season approaching, Webb-Awtrey helps residents address potential liability gaps that can arise from uninsured damages or accidents on their property.

KI
815 Bradley St SW
Knight Insurance Agency
Umbrella Insurance Agent · Decatur, AL
(256) 350-8139
BC
1324 Stratford Rd SE
Bishop, Cannon & Stacy Insurance
Umbrella Insurance Agent · Decatur, AL
(256) 355-7779
bcsinsuranceco.com
KI
401 Grant St SE
King Insurance Agency
Umbrella Insurance Agent · Decatur, AL
(256) 353-1460
PG
2708 6th Ave SE Building 2 Suite A
Peck-Glasgow Insurance
Umbrella Insurance Agent · Decatur, AL
(256) 350-7296
peck-glasgow.com/decatur
AI
2314 6th Ave SE ste e
Alfa Insurance - The Hatfield & Garland Agency
Umbrella Insurance Agent · Decatur, AL
(256) 353-1591
alfainsurance.com
1C
145 14th St SW
1st Choice Group, LLC
Umbrella Insurance Agent · Decatur, AL
NI
1000 Beltline Rd SW Ste A
Nationwide Insurance: Hayes Rasbury Agency, Inc.
Umbrella Insurance Agent · Decatur, AL
(256) 350-6315
agency.nationwide.com/al/decatur/35601/hayes-rasbury-agency-inc
AI
601 Johnston St SE Suite 2
Alfa Insurance - McCulloch & Associates
Umbrella Insurance Agent · Decatur, AL
(256) 822-6699
alfainsurance.com/agents/adam-mcculloch
DH
The Greens, 2130 6th Ave SE #301
Doug Hembree Agency
Umbrella Insurance Agent · Decatur, AL
(256) 355-5678

What Does an a Umbrella Insurance Agent in Decatur Cost?

The cost of an umbrella insurance policy in Alabama typically ranges from 150 to 400 dollars per year for one million dollars in coverage. Adding each additional million may cost 50 to 100 dollars more. Your actual premium depends on your risk factors such as driving record home condition and number of properties. This is general information and not insurance advice.

About umbrella insurance agents in Decatur

An umbrella insurance agent in Decatur Alabama can help you add a layer of liability protection beyond your auto and homeowners policies. Alabama law does not require umbrella insurance but it can shield your savings and future income from large lawsuits. Local agents understand the specific risks in the Tennessee Valley region and can tailor coverage to your needs.

Frequently Asked Questions

What does an umbrella insurance agent in Decatur do?

An umbrella insurance agent helps you purchase a personal umbrella policy that provides extra liability coverage. This policy kicks in after your auto or home insurance limits are used up. The agent assesses your assets and recommends a coverage amount that fits your situation.

How much umbrella insurance do I need in Alabama?

The amount you need depends on your total assets and potential future income. Many agents suggest at least one million dollars in coverage. In Alabama there is no state limit on personal injury lawsuit awards so higher limits can offer more protection.

Can umbrella insurance cover claims not covered by my other policies?

Yes umbrella insurance can cover certain claims that your underlying policies exclude such as libel slander or false arrest. However it does not cover business activities or intentional acts. Your agent can explain what is and is not included in the policy.

Umbrella Insurance Agents in Other Alabama 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.