The top-rated umbrella insurance agent in Tempe, Arizona is Lindsay Sapanaro - State Farm Insurance Agent, rated 4.9 stars across 571 reviews. Other highly rated options include Riseson Insurance, AALL Insurance, InsuranceWizard.Ai. This directory lists 20 umbrella insurance agents serving Tempe.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lindsay Sapanaro - State Farm Insurance Agent | 5410 S Lakeshore Dr | (480) 347-9106 |
| 2 | Riseson Insurance | 64 E Broadway Rd STE 200, Office 285 | (602) 460-5470 |
| 3 | AALL Insurance | 2737 West Southern Avenue, S 48th St #14 | (602) 233-3333 |
| 4 | InsuranceWizard.Ai | 2173 E Warner Rd Ste 103 | (480) 820-2797 |
| 5 | AZ Insurance Team | 442 E Southern Ave | (480) 535-5709 |
| 6 | Sharon Layman - State Farm Insurance Agent | 4411 S Rural Rd Ste 104 | (480) 345-2886 |
| 7 | 1st Insurance Group | 2033 E Warner Rd STE 102 | (480) 883-9977 |
| 8 | Inszone Insurance Services | 1231 W Warner Rd #104 | (480) 961-0101 |
| 9 | Ayala Insurance | 2747 W Southern Ave # 9 | (602) 443-5505 |
| 10 | Hayden & Hayden Agency, Inc. | 5225 S McClintock Dr C | (480) 345-7226 |
Lindsay Sapanaro - State Farm Insurance Agent serves Tempe and the surrounding Maricopa County area, offering umbrella insurance coverage. This type of policy provides additional liability protection beyond standard home and auto insurance limits. An umbrella policy can help safeguard assets and future earnings against major claims or lawsuits. The agency assists clients in assessing their personal liability risks and securing appropriate coverage levels. Services include policy customization to fit individual needs and claims support following a covered incident. The agency also handles commercial umbrella policies for local businesses.
Riseson Insurance provides umbrella insurance agency services to clients throughout the Tempe, Arizona area. It helps individuals and businesses secure liability coverage that extends beyond standard auto and homeowners policies. The company assists clients in reviewing existing plans to identify potential gaps in protection. Service plans are tailored to offer additional layers of financial security against major claims and lawsuits. Riseson Insurance services a variety of properties, including single-family homes, apartment complexes, retail spaces, and local restaurants.
InsuranceWizard.Ai serves Tempe and the surrounding communities in the Phoenix metropolitan area, handling a wide range of personal umbrella insurance needs. It provides additional liability coverage that extends beyond the limits of standard homeowners and auto policies. The agency focuses on helping clients protect their assets from major claims or lawsuits. For a typical job, it reviews the client’s existing liability coverage to identify gaps and then creates a customized umbrella policy that offers an extra layer of financial protection.
AZ Insurance Team serves homeowners, businesses, and property managers in Tempe, Arizona, who require additional liability protection beyond their standard policies. The firm specializes in umbrella insurance, a type of excess liability coverage that extends limits beyond underlying auto, home, or commercial policies. This extra layer of coverage is often necessary for those with significant assets to protect against large claims. The company assists clients in evaluating potential risks and obtaining appropriate policy limits. Its service area also includes nearby Chandler in the southeastern Phoenix metro.
Sharon Layman, a local umbrella insurance agent in Tempe, Arizona, distinguishes between one-time policy setup consultations and recurring service options to manage evolving liability needs. Umbrella coverage extends beyond standard home and auto policies to provide additional financial protection against major claims or lawsuits. General information is available through the Tempe office regarding how umbrella insurance applies to pet incidents, rental properties, or watercraft. Service runs on an as-needed basis so clients can schedule reviews after life changes like purchasing a home or starting a business.
In the desert heat, sudden monsoon storms can damage property and create liability risks for Phoenix-area homeowners. 1st Insurance Group, based in Tempe, serves clients seeking umbrella insurance coverage for extra protection beyond standard policies. Their agents evaluate each client’s overall risk profile, including auto and homeowners policies, to recommend appropriate liability layers. The process begins with a complimentary coverage review to identify potential gaps before suggesting a customized umbrella policy.
Inszone Insurance Services, located in Tempe, Arizona, distinguishes between a one-time umbrella policy and scheduled annual renewals that adjust coverage as a client’s assets grow. As an umbrella insurance agent, the company provides additional liability protection that extends beyond the limits of standard auto, homeowners, or watercraft policies. This extra coverage safeguards against major claims and lawsuits, offering a buffer for unforeseen events. The service operates on both a one-time initial setup and as a scheduled annual basis, ensuring policies remain current with changing personal circumstances.
Ayala Insurance provides customized umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Based in Tempe, AZ, this agency works with clients to protect assets against large claims or lawsuits that could otherwise cause financial loss. It evaluates individual risk profiles, coordinating with existing insurers to fill coverage gaps. Residents planning oversized holiday gatherings or purchasing new recreational vehicles often seek its guidance on reducing exposure to potential legal claims arising from accidents on their property.
Hayden & Hayden Agency, Inc. provides insurance services to clients throughout the Tempe area. Its specialists focus on personal umbrella insurance policies that extend liability protection beyond standard home and auto coverage limits. The agency also assists commercial clients with additional liability layers. These tailored policies help safeguard businesses against major claims and lawsuits. The agency can serve various commercial sectors, including offices, warehouses, and food service establishments.
What Does an a Umbrella Insurance Agent in Tempe Cost?
The cost of an umbrella insurance policy in Arizona typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million may cost 300 to 800 dollars annually. Factors like your driving record home value and number of properties affect the premium. This is general information not insurance advice.
About umbrella insurance agents in Tempe
An umbrella insurance agent in Tempe Arizona helps you secure extra liability protection beyond your standard auto or home policy. Arizona law does not require umbrella insurance but it can shield your savings and future income from large lawsuits. Tempe residents often seek this coverage due to the high number of drivers and the risk of accidents near Arizona State University.
Frequently Asked Questions
What does an umbrella insurance agent in Tempe do?
An umbrella insurance agent helps you buy a personal liability policy that kicks in after your auto or home insurance limits are used up. The agent reviews your assets and risk factors to recommend an appropriate coverage amount. This service is especially useful for homeowners or those with rental properties in Maricopa County.
How much umbrella insurance do I need in Arizona?
Most agents suggest at least 1 million dollars in umbrella coverage for homeowners or drivers with significant assets. Arizona courts can award large judgments in personal injury cases so higher limits like 2 to 5 million may be wise for high net worth individuals. Your agent will calculate the right amount based on your home value savings and income.
Are there Arizona laws that affect umbrella insurance?
Arizona follows a pure comparative fault rule which means you can recover damages even if you are partially at fault. This increases the chance of lawsuits against you. Arizona also has a 2 year statute of limitations for personal injury claims making umbrella coverage a practical safeguard for Tempe residents.
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