The top-rated umbrella insurance agent in St. Augustine, Florida is Perry Unwalla - State Farm Insurance Agent, rated 4.8 stars across 422 reviews. Other highly rated options include Leigh Insurance Agency, Tim Huber Insurance, The Bailey Group – An NFP Company. This directory lists 22 umbrella insurance agents serving St. Augustine.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Perry Unwalla - State Farm Insurance Agent | 3791 A1A S ste a | (904) 461-5400 |
| 2 | Leigh Insurance Agency | 1797 Old Moultrie Rd STE 111 | (904) 826-0799 |
| 3 | Tim Huber Insurance | 28 Clark St | (904) 824-2555 |
| 4 | The Bailey Group – An NFP Company | 1200 Plantation Island Dr S UNIT 210 | (904) 461-1800 |
| 5 | Kim Vona Insurance Agency | 320 Paseo Reyes Dr | (904) 490-0457 |
| 6 | Fender Insurance Agency | 101 E Town Pl #225 | (904) 639-4333 |
| 7 | Ancient City Insurance | 2800 N 5th St #301 | (904) 827-1915 |
| 8 | Oldest City Insurance | 212 San Marco Ave Suite D | (904) 824-7283 |
| 9 | Brightway Insurance, The Casey Agency | 108 Sea Grove Main St suite b | (904) 217-7547 |
| 10 | Benchmark Insurance | 1 Spencer St | (904) 829-2296 |
Perry Unwalla - State Farm Insurance Agent serves the St. Augustine, Florida area, specializing in providing umbrella insurance policies that extend liability coverage beyond standard homeowners and auto limits. This type of insurance protects clients from major claims and lawsuits, offering significant asset protection. The agent works closely with residents to evaluate their risk exposure and financial needs. He handles related services such as personal liability coverage and excess liability protection for local policyholders.
Leigh Insurance Agency in St. Augustine, FL, provides umbrella insurance coverage that extends liability protection beyond standard home and auto policies. Its service plans include personalized risk assessments to help clients determine appropriate coverage limits. Policyholders receive claims assistance and periodic policy reviews to ensure their liability umbrella remains adequate as circumstances change. The agency services a variety of properties including single-family homes, apartments, retail spaces, and restaurants.
Homeowners, businesses, and property managers in St. Augustine can turn to Tim Huber Insurance for personalized umbrella insurance coverage. This agent helps clients secure an extra layer of liability protection that kicks in after a primary policy’s limits are exhausted. The office focuses on explaining how umbrella policies safeguard assets against major claims or lawsuits. Beyond St. Augustine, its services also extend to the greater Palm Coast area, offering the same clear guidance and supplemental liability options to nearby residents and business owners.
The Bailey Group, an NFP Company, serves St. Augustine and the surrounding Northeast Florida communities, handling umbrella insurance coverage for local homeowners and drivers. This type of policy provides an extra layer of liability protection above standard auto and home insurance limits. The company works to help clients address potential financial risks from accidents or unforeseen events. To manage a typical job, it begins with a detailed review of the client’s existing policies to determine appropriate coverage gaps and recommend suitable limits.
At Kim Vona Insurance Agency in St. Augustine, FL, clients choose between one-time coverage for a specific event or a scheduled policy that renews automatically each term. Umbrella insurance extends liability protection beyond standard home and auto policies, offering an extra layer of financial security against major claims or lawsuits. This agent works on a scheduled basis, with policies typically set to renew on an annual cycle unless the client requests a change.
As hurricane season arrives in St. Augustine, coastal home and auto owners often review their liability exposure. Fender Insurance Agency helps local residents address this need by offering umbrella insurance policies that provide additional coverage above standard limits. These policies protect assets from large claims or lawsuits. Experienced agents in this firm evaluate individual risk profiles to recommend appropriate coverage levels, which can cover legal defense costs and lost wages. A new client typically begins by scheduling a personal risk assessment to review their current policies and asset portfolio.
As an umbrella insurance agent in St. Augustine, Ancient City Insurance offers specialized liability coverage that extends beyond standard home and auto policy limits. It provides broader protection for clients in Florida's increasingly litigation-prone environment. The agency works one-on-one with individuals to assess unique exposure risks, particularly for those with rental properties or watercraft. During the active hurricane and storm seasons often affecting Northeast Florida, the agency helps residents address potential liability from flood damage or tree fallen on a neighbor’s property.
Oldest City Insurance serves St. Augustine residents seeking umbrella insurance, offering an additional layer of liability protection beyond standard homeowners and auto policies. The agency also helps local businesses secure commercial umbrella coverage to guard against major claims. Service extends throughout St. Augustine and the surrounding St. Johns County area, meeting the needs of diverse property owners. Clients frequently return to adjust their policy limits following significant life changes or property updates between regular annual reviews.
Brightway Insurance, The Casey Agency in St. Augustine, FL, is recognized for providing personal umbrella insurance that extends liability coverage beyond standard home and auto policies. This agency serves local homeowners, drivers, and property owners seeking an extra layer of financial protection against major claims or lawsuits. It helps clients secure affordable additional limits that can safeguard assets and future earnings. The agency also specializes in coordinating multi-policy discounts by adding umbrella coverage to existing property and auto insurance lines.
Benchmark Insurance works primarily with standard liability coverage in St. Augustine, Florida, then layers its specialty umbrella insurance on top to extend policy limits for clients facing major claims. This added protection helps businesses and individuals manage catastrophic financial exposure beyond their primary policy caps. Their umbrella agent services also serve local commercial sectors including offices, warehouses, and food service establishments.
What Does an a Umbrella Insurance Agent in St. Augustine Cost?
In Florida umbrella insurance typically costs between 150 and 350 per year for 1 million in coverage. Rates increase for higher limits with 2 million often costing 250 to 500 annually. Your premium depends on factors like the number of properties you own your driving record and whether you have rental properties or a boat. This is general information and not insurance advice.
About umbrella insurance agents in St. Augustine
Umbrella insurance agents in St. Augustine Florida help you obtain extra liability coverage beyond your standard auto or homeowners policy. Florida law requires all drivers to carry minimum bodily injury liability of 10,000 per person and 20,000 per accident but an umbrella policy can provide 1 million or more in additional protection. Local agents understand the unique risks of coastal living including hurricane damage and tourist related accidents.
Frequently Asked Questions
What does an umbrella insurance agent do in St Augustine Florida?
An umbrella insurance agent evaluates your current liability coverage and recommends a policy that adds an extra layer of protection. They help you understand how Florida's comparative fault laws might affect claims against you. The agent also shops multiple carriers to find the best rate for your situation.
How much umbrella coverage do I need as a Florida homeowner?
Most Florida agents recommend at least 1 million in umbrella coverage if you own a home or have significant assets. Florida's high rate of personal injury lawsuits and hurricane related property claims make higher limits advisable. Your agent will calculate the right amount based on your net worth and risk exposure.
Are there Florida specific rules for umbrella insurance policies?
Florida law does not mandate umbrella insurance but it does require that your underlying auto or homeowners policy meet certain minimum limits. For example your auto liability must be at least 250,000 per person and 500,000 per accident before an umbrella policy kicks in. Your agent will verify that your base policies comply with these requirements.
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