The top-rated umbrella insurance agent in Palm Beach Gardens, Florida is Kelly Hagar State Farm Insurance Agency, rated 4.9 stars across 780 reviews. Other highly rated options include Gregg Blanchard Insurance Agency: Allstate Insurance, GreatFlorida Insurance: Michelle Silvester, Worth Insurance Services, LLC.. This directory lists 17 umbrella insurance agents serving Palm Beach Gardens.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kelly Hagar State Farm Insurance Agency | 9458 FL A1AAlt | (561) 627-7660 |
| 2 | Gregg Blanchard Insurance Agency: Allstate Insurance | 4290 Professional Center Dr #101 | (561) 627-1707 |
| 3 | GreatFlorida Insurance: Michelle Silvester | 5100 PGA Blvd Suite 317 | (561) 202-6186 |
| 4 | Worth Insurance Services, LLC. | 12300 FL A1AAlt #203 | (561) 463-5814 |
| 5 | Ackerman Insurance Services, Inc. | 3307 Northlake Blvd STE 106 | (561) 624-2040 |
| 6 | Brightway Insurance, The Murphy Agency | 4550 Donald Ross Rd I-110 | (561) 598-6300 |
| 7 | Estrella Insurance | 9091 N Military Trl Suite 5 | (561) 325-7879 |
| 8 | Giselle Camilo: Allstate Insurance | 4550 PGA Blvd #213 | (561) 253-8000 |
| 9 | Lay Insurance Group, Inc | 9770 Gardens E Dr | (561) 622-2886 |
| 10 | Shoreline Insurance Inc | 5600 PGA Blvd STE 100A | (561) 660-8851 |
Kelly Hagar State Farm Insurance Agency serves the Palm Beach Gardens metro area and wider Palm Beach County. As an umbrella insurance agent, the firm offers additional liability coverage that extends beyond standard policies, providing extra protection for qualifying clients. Agents assist with structuring umbrella policies that coordinate with homeowners and auto insurance. The agency specifically handles risk assessments and insurance applications for umbrella coverage designed to protect assets from major claims.
Gregg Blanchard Insurance Agency: Allstate Insurance provides umbrella insurance coverage, offering an additional layer of liability protection that extends beyond the limits of standard home and auto policies. The agency helps clients establish these excess liability plans, which can safeguard assets and future earnings against major claims. In Palm Beach Gardens, FL, the agency also assists with policy maintenance, ensuring that coverage limits remain adequate for evolving client needs. The agency services single-family homes, apartments, retail, and restaurants.
GreatFlorida Insurance: Michelle Silvester provides umbrella insurance, offering extended liability protection that goes beyond standard policy limits to help safeguard assets in the event of major claims or lawsuits. Serving the Palm Beach Gardens area, it works with clients to address broader risk management needs, including exposure from homeownership or automobile use. The agency also assists in planning for seasonal concerns, such as increased guest liability during the busy winter visitor period in South Florida.
Worth Insurance Services, LLC, in Palm Beach Gardens, Florida, serves homeowners, businesses, and property managers seeking additional personal or commercial liability protection beyond standard policies. The company assists clients in securing umbrella coverage that extends existing liability limits, safeguarding assets against major claims or lawsuits. Its services focus on evaluating current risks and filling gaps in primary insurance policies. The firm also covers clients in neighboring Jupiter, providing the same liability solutions to residential and commercial property owners throughout northern Palm Beach County.
Ackerman Insurance Services, Inc. serves Palm Beach Gardens and its surrounding communities throughout Palm Beach County. The agency handles personal liability coverage known as umbrella insurance, which provides an extra layer of protection beyond standard homeowners and auto policies. It typically assesses each client's existing limits and personal assets to recommend appropriate coverage amounts. The company approaches each case by first reviewing the client's current policies, then identifying any gaps in liability protection to reduce potential financial exposure from major claims or lawsuits.
Brightway Insurance, The Murphy Agency specializes in providing umbrella insurance coverage to protect clients beyond standard policy limits, and generally serves the Palm Beach Gardens area with liability risk management solutions. This type of insurance safeguards personal assets against major claims or lawsuits that exceed homeowners or auto coverage. For local homeowners and vehicle owners, the rainy season increases slip-and-fall hazards and flooded road collision risks, so reviewing an umbrella policy before South Florida’s summer storm arrives is a practical step.
As hurricane season approaches in Palm Beach Gardens, homeowners and drivers often review their liability coverage to ensure adequate protection against severe weather and accidents. Estrella Insurance addresses this need by matching local residents with umbrella insurance policies that extend beyond standard home and auto limits. The agency assists in evaluating personal assets and potential risks common to coastal communities. A typical initial step involves a straightforward review of current coverage and property details to determine appropriate liability thresholds.
For occasional high-value asset owners, Giselle Camilo: Allstate Insurance offers umbrella coverage layered over existing policies as needed, while those with ongoing liability concerns may choose a recurring policy that renews annually. This additional protection addresses personal liability risks common in Palm Beach Gardens, Florida, such as accidents on residential property or automobile-related claims. The service is available on either a one-time purchase basis for single events or as a scheduled renewal plan for continuous coverage.
When storm season arrives in Palm Beach Gardens, residents often seek additional liability coverage beyond their standard policies. Lay Insurance Group, Inc works as a local umbrella insurance agent, helping clients fill that gap with broader protection for their assets. Their team evaluates individual risk factors such as property holdings and personal liability exposures common to coastal Florida living. They then help determine appropriate coverage limits that extend past typical homeowner and auto insurance caps. A client’s first step with this agency is scheduling a personal liability review to identify potential gaps in their current insurance portfolio.
Shoreline Insurance Inc works with individuals and businesses in the Palm Beach Gardens area to help manage liability risk through umbrella insurance policies. This specialty coverage adds a vital layer of protection beyond standard auto, home, or commercial policies, offering broader financial security against unforeseen lawsuits or large claims. The agency serves a variety of commercial sectors including office spaces, warehouses, and food service operations requiring tailored high-limit coverage for their specific exposure needs.
What Does an a Umbrella Insurance Agent in Palm Beach Gardens Cost?
Umbrella insurance costs in Florida typically range from 150 to 350 dollars per year for 1 million dollars of coverage. Higher limits of 2 to 5 million may cost 300 to 800 dollars annually. Costs vary based on your age driving record number of properties and claims history. This is general information and not insurance advice.
About umbrella insurance agents in Palm Beach Gardens
Umbrella insurance agents in Palm Beach Gardens Florida help clients secure extra liability coverage beyond standard policies. Florida law requires minimum auto liability limits of 10,000 for property damage and 10,000 for bodily injury per person. An umbrella policy can protect assets from large claims common in South Florida due to high traffic density and hurricane related property risks.
Frequently Asked Questions
What does an umbrella insurance agent do in Palm Beach Gardens?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims exceeding your home or auto insurance limits. They assess your risk exposure based on Florida specific factors like pool ownership or boat use. The agent then finds a policy from a carrier licensed in Florida.
How much umbrella coverage do I need in Florida?
Common umbrella policy limits in Florida range from 1 million to 5 million dollars. Your agent will recommend an amount based on your net worth and potential liability risks. Florida law does not mandate umbrella coverage but it is often required for high value asset protection.
Can I get umbrella insurance without a Florida auto policy?
Most umbrella insurance carriers require you to have an underlying auto or homeowners policy with minimum liability limits. Florida law sets minimum auto liability at 10,000 per person for bodily injury. Your agent can help you meet these requirements before adding umbrella coverage.
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