The top-rated umbrella insurance agent in Fernandina Beach, Florida is Brightway Insurance, The Coastal Agency, rated 4.9 stars across 243 reviews. Other highly rated options include Fernando Cevallos - State Farm Insurance Agent, Brightway Insurance, The Tarzia Agency, 8 Flags Insurance Agency. This directory lists 10 umbrella insurance agents serving Fernandina Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Brightway Insurance, The Coastal Agency | 5472 1st Coast Hwy Suite 12 | (904) 712-6300 |
| 2 | Fernando Cevallos - State Farm Insurance Agent | 474418 E State Rd 200 | (904) 261-2664 |
| 3 | Brightway Insurance, The Tarzia Agency | 960185 Gateway Blvd STE 107 | (904) 491-7622 |
| 4 | 8 Flags Insurance Agency | 1411 S 14th St STE M | (904) 310-6515 |
| 5 | Compass Group Insurance | 11 S 11th St | (904) 746-4648 |
| 6 | Estrella Insurance | 474268 E State Rd 200 | (904) 432-8736 |
| 7 | Nelson & Associates Insurance, LLC. | 1890 S 14th St #301 | (904) 326-3288 |
| 8 | Amelia Insurance | 2384 Sadler Rd | (904) 261-3606 |
| 9 | Morrow Insurance Group, Inc. | 1896 S 14th St STE 5 | (904) 261-0707 |
| 10 | Raulerson Insurance Group | 1901 Island Walkway #113 | (904) 267-1585 |
Brightway Insurance, The Coastal Agency serves the Fernandina Beach area of Nassau County as an umbrella insurance agent. This agency helps local residents and businesses obtain additional liability coverage that extends beyond the limits of standard home or auto policies. Such policies protect assets in the event of significant claims or lawsuits. Agents in this region often guide clients through coverage options that meet specific local needs. The agency also provides guidance on personal liability protection and excess coverage for high-value assets in the coastal community.
Fernando Cevallos - State Farm Insurance Agent serves homeowners, businesses, and property managers in Fernandina Beach, Florida. The agency provides umbrella insurance policies that extend liability coverage beyond standard home or auto limits for added financial protection. Clients can discuss their specific risk exposures and receive personalized guidance on appropriate coverage levels. The agency also serves the surrounding Amelia Island community and the greater Nassau County area.
Brightway Insurance, The Tarzia Agency in Fernandina Beach, FL provides umbrella insurance policies that extend liability coverage beyond standard homeowners and auto limits for broader financial protection. The agency advises clients on risk exposure and reviews existing coverage to recommend appropriate policy limits, offering ongoing service to adjust plans as personal circumstances change. Their service supports claims guidance and periodic policy reviews to maintain adequate protection. The agency serves properties including single-family homes, apartments, retail, and restaurants.
Serving Fernandina Beach and the surrounding Nassau County communities, 8 Flags Insurance Agency handles personal umbrella insurance policies for local residents. These policies provide extended liability coverage that activates when standard auto or homeowners limits are exceeded, offering broader protection for assets. The agency evaluates each client’s existing insurance portfolio to identify potential liability gaps. It then recommends an appropriate coverage amount based on individual risk factors, such as property ownership or recreational vehicles. The process begins with a thorough policy review to ensure quotes address unique needs.
Compass Group Insurance in Fernandina Beach, FL, offers umbrella insurance agents who differentiate between one-time policy reviews and recurring service options for ongoing liability coverage. Clients may select a single consultation to address a specific need or an ongoing service plan for regular assessments of umbrella limits across personal assets. The coverage typically extends above standard auto and homeowners policies to protect against major claims and lawsuits. Service is provided on an as-needed basis, tailored to each client’s request for policy adjustments or new coverage evaluations.
Estrella Insurance serves the Fernandina Beach area of Florida, providing umbrella insurance agent services to help clients protect their assets beyond standard policy limits. This coverage offers an extra layer of financial security that can safeguard against significant liability claims. The company simplifies the process of assessing risk and selecting appropriate excess liability coverage. It assists with personal umbrella policies to protect homes and vehicles from large lawsuits. It also guides business owners toward commercial umbrella policies to manage potential operational liability exposures.
As an umbrella insurance agent in Fernandina Beach, FL, Nelson & Associates Insurance, LLC. specializes in providing extended liability coverage that goes beyond the limits of standard home and auto policies. This general insurance service protects local residents and businesses from major claims and lawsuits. As hurricane season approaches, many clients seek additional protection to safeguard their assets in this coastal community.
Amelia Insurance provides general liability risk management, and specializes as an umbrella insurance agent in Fernandina Beach, Florida. This type of coverage extends liability limits beyond standard policies, offering broader protection against large claims or lawsuits. The firm helps individuals and businesses safeguard assets by addressing gaps in underlying coverage. Its services are applicable to a range of commercial operations, including offices, warehouses, and food service establishments.
With hurricane season along the northeast Florida coast, property owners in Fernandina Beach seek coverage beyond standard policies. Morrow Insurance Group, Inc. serves as a local umbrella insurance agent, helping residents extend liability protection for added security against major claims. The agency reviews existing homeowners and auto policies to recommend appropriate umbrella limits tailored to individual assets. Their process begins with a personal consultation to assess current liability exposure and evaluate unique coverage gaps specific to coastal living. An initial inspection of the property typically follows this meeting.
Raulerson Insurance Group in Fernandina Beach, FL serves residential clients by securing personal umbrella policies that provide additional liability coverage beyond standard homeowners or auto insurance. For commercial customers, the agency offers excess liability protection to help shield businesses from major claims. The firm assists property owners and renters throughout the local region with evaluating individual coverage gaps and limits. After an initial review, agents typically follow up to adjust policies as life changes occur, ensuring protection remains adequate between regular visits.
What Does an a Umbrella Insurance Agent in Fernandina Beach Cost?
Umbrella insurance in Florida typically costs between 150 and 350 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Costs vary based on your risk profile, number of vehicles, and property values. This is general information and not insurance advice.
About umbrella insurance agents in Fernandina Beach
Umbrella insurance agents in Fernandina Beach help residents secure extra liability coverage beyond standard auto and homeowners policies. Florida law requires minimum auto liability limits, but umbrella policies provide additional protection for accidents or lawsuits. Local agents understand the risks of coastal living and can tailor coverage to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Fernandina Beach do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that extends coverage above your existing auto and home insurance limits. They assess your assets and risks to recommend appropriate coverage amounts. This is important in Florida due to high hurricane and tourist-related liability risks.
How much umbrella insurance do I need in Fernandina Beach?
Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth and potential liability exposure. Florida law does not set a specific minimum for umbrella policies, but many insurers require underlying auto and home coverage limits of 300,000 dollars. Your agent can help calculate a suitable limit.
Can I add umbrella insurance if I have a rental property in Fernandina Beach?
Yes, umbrella insurance can cover liability from rental properties you own in Fernandina Beach. Florida statutes impose strict liability on property owners for certain injuries, so extra coverage is wise. Your agent will need details about the property to ensure proper coverage.
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