The top-rated umbrella insurance agent in Palm Harbor, Florida is Coleman Insurance Agency, rated 4.9 stars across 414 reviews. Other highly rated options include Reliant Insurance Services, Lizette Cochran - State Farm Insurance Agent, AAA Palm Harbor. This directory lists 17 umbrella insurance agents serving Palm Harbor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Coleman Insurance Agency | 4831 Ruen Dr Suite 200 | (727) 441-9911 |
| 2 | Reliant Insurance Services | 34921 US Hwy 19 N #201 | (727) 335-0335 |
| 3 | Lizette Cochran - State Farm Insurance Agent | 3031 E Lake Rd S | (727) 786-1082 |
| 4 | AAA Palm Harbor | 33227 US Hwy 19 N | (727) 789-7850 |
| 5 | Brightway Insurance, The Harrington Agency | 31962 US Hwy 19 N | (727) 789-2200 |
| 6 | Hawk Insurance Group | 31087 US Hwy 19 N | (727) 877-4295 |
| 7 | Whitco Insurance Agency Palm Harbor 👍 | 30832 US Hwy 19 N | (727) 781-5858 |
| 8 | Mark Gianeskis - State Farm Insurance Agent | 3430 Tampa Rd | (727) 786-6886 |
| 9 | Pinellas Insurance Solutions | 3060 US-19 ALT Suite B1 | (727) 557-5633 |
| 10 | GreatFlorida Insurance: Jim Sullivan | 3382 Tampa Rd | (727) 781-5533 |
Coleman Insurance Agency serves Palm Harbor and the surrounding Pinellas County area as an umbrella insurance agent. It helps clients obtain personal liability coverage that extends beyond the limits of standard home and auto policies, offering crucial protection for unexpected events such as lawsuits or major accidents. The agency works to secure high-limit policies that safeguard significant personal assets and future earnings from large claims. It also assists local professionals with excess liability insurance needs for their businesses.
Reliant Insurance Services in Palm Harbor, Florida provides personal umbrella liability coverage designed to extend protection beyond standard homeowners and auto policies. The company assists clients in securing additional layers of coverage that safeguard assets against major claims or lawsuits. Their service approach includes reviewing existing policies to identify gaps in liability limits and suggesting appropriate umbrella solutions for comprehensive risk management. Service plans may include periodic policy reviews to ensure coverage keeps pace with changing assets and liability exposures. Properties commonly serviced include single-family homes, apartments, retail locations, and restaurants.
Lizette Cochran - State Farm Insurance Agent in Palm Harbor, FL works with homeowners, businesses, and property managers to secure umbrella liability coverage that extends beyond standard policy limits. This additional layer of insurance helps protect assets and future earnings against major claims or lawsuits. The agency also serves clients throughout the greater Tampa Bay area, including neighboring communities such as Clearwater and Dunedin.
AAA Palm Harbor serves Palm Harbor, Florida, and the surrounding communities in northern Pinellas County. As an umbrella insurance agent, it handles excess liability coverage that extends beyond the limits of a client’s existing auto, homeowners, or watercraft policies. The agency approaches each case by first reviewing the client’s current insurance portfolio to identify specific exposure gaps. It then recommends a policy limit that provides adequate protection against major claims or lawsuits, ensuring the client’s assets remain shielded from unforeseen financial risks.
Brightway Insurance, The Harrington Agency in Palm Harbor, FL offers two primary service paths for umbrella coverage: a one-time policy purchase for a set liability term or a recurring arrangement with annual renewals. This type of policy provides additional liability protection beyond standard home and auto limits. Service runs on either a scheduled basis for annual policy reviews or as-needed for policy adjustments or claims support.
Specializing in personal and commercial umbrella liability coverage, Hawk Insurance Group addresses excess claims that surpass standard policy limits. Serving Palm Harbor and the surrounding Tampa Bay area, the agency works to protect clients from costly lawsuits and major financial loss. It reviews existing auto, home, and boat policies to fill coverage gaps for higher liability risks. In seasonal storm seasons, it often helps local homeowners secure extra protection against the unique hurricane-related property and liability exposures common to coastal Florida.
Whitco Insurance Agency Palm Harbor assists clients in Palm Harbor, FL, by providing essential general liability coverage tailored to local risk exposures. The agency specializes in umbrella insurance, offering an extra layer of liability protection beyond standard policies. This additional coverage helps safeguard personal assets and business investments against major claims. Commercial sectors served include offices, warehouses, and food service operations, each requiring distinct policy limits to address their unique operational liabilities.
After a strong storm season, many Palm Harbor homeowners find their existing liability coverage insufficient. Mark Gianeskis - State Farm Insurance Agent addresses this gap by offering umbrella insurance policies that extend protection beyond standard home or auto limits. An umbrella agent helps clients safeguard their assets from major claims or lawsuits. For those concerned about uncovered personal liability, the first step involves scheduling a straightforward consultation. This initial-assessment meeting reviews current policies to clarify potential exposure and determine appropriate coverage levels for their property and lifestyle.
As an umbrella insurance agent based in Palm Harbor, FL, Pinellas Insurance Solutions provides residential service to homeowners seeking extra liability protection beyond their standard policies. The agency also delivers commercial coverage for local businesses in the Palm Harbor area and surrounding communities. Agents work with clients to tailor policies that safeguard personal savings and business assets from unexpected lawsuits. Follow-up consultations and policy adjustments are offered between regular visits to keep coverage aligned with changing needs and lifestyles.
GreatFlorida Insurance: Jim Sullivan is known for providing umbrella insurance coverage in Palm Harbor, FL, serving clients who need extra liability protection beyond standard policies. The agency focuses on offering personal umbrella insurance, which helps safeguard assets and future earnings from major claims or lawsuits. This service extends to drivers, homeowners, and renters seeking higher policy limits and broader protection. Further, the agency can add on excess liability coverage specifically tailored to complement existing auto or home insurance plans.
What Does an a Umbrella Insurance Agent in Palm Harbor Cost?
The cost of an umbrella insurance policy in Florida typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Your exact premium depends on your number of properties, driving record, and other risk factors. This is general information and not insurance advice.
About umbrella insurance agents in Palm Harbor
An umbrella insurance agent in Palm Harbor Florida can help you secure additional liability coverage beyond your standard home and auto policies. Florida law requires minimum auto liability limits, but a single lawsuit can quickly exceed those amounts. An umbrella policy provides an extra layer of protection for your savings and future income.
Frequently Asked Questions
What does an umbrella insurance agent in Palm Harbor do?
An umbrella insurance agent helps you assess your personal liability risks and find a policy that covers gaps in your existing insurance. They review your home and auto policies to recommend an appropriate umbrella limit. In Florida, agents often consider hurricane-related liability risks when advising clients.
How much umbrella coverage do I need in Florida?
Most agents recommend at least 1 million dollars in umbrella coverage for Florida homeowners. Higher net worth individuals may need 2 to 5 million dollars or more. Your agent will help you choose a limit based on your assets and potential lawsuit exposure.
Can I get umbrella insurance if I have a rental property in Palm Harbor?
Yes, umbrella insurance can cover liability from rental properties you own. Florida landlords face unique risks such as slip and fall claims or guest injuries. An agent can help you bundle coverage for your primary home, rental property, and vehicles under one umbrella policy.
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