ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeUmbrella Insurance AgentsGeorgia › St Simons Island

Find Umbrella Insurance Agents Near You in St Simons Island, GA

Browse umbrella insurance agents serving St Simons Island, Georgia. Updated 2026-07-14.

The top-rated umbrella insurance agent in St Simons Island, Georgia is Maggie Dutton - State Farm Insurance Agent, rated 5.0 stars across 316 reviews. Other highly rated options include The Live Oak Insurance Agency, Seban's Insurance Solutions, Fleet Risk Management Inc. This directory lists 18 umbrella insurance agents serving St Simons Island.

Showing 18 umbrella insurance agents in St Simons Island, GAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Maggie Dutton - State Farm Insurance Agent400 Main St STE 7(912) 638-1881
2The Live Oak Insurance Agency1700 Frederica Road Suite 305 St. Simon's Island(912) 434-4220
3Seban's Insurance Solutions312 Plantation Chase(912) 638-0552
4Fleet Risk Management Inc2485 Demere Rd #100(912) 638-8277
5Salem & Co301 Plantation Chase(912) 666-6165
6Robinson & Associates Insurance, Inc4 Retreat Pl(912) 638-9717
7Turner & Associates Insurance125 Longview Plaza Driveway(912) 265-2840
8Protect Pro Insurance122 Circle Dr(770) 273-9059
9McGinty-Gordon & Associates225 Marina Dr(912) 638-8600
10Lighthouse Benefit Advisors400 Ocean Blvd Ste. 1102(912) 771-8230
MD
400 Main St STE 7
Maggie Dutton - State Farm Insurance Agent
Umbrella Insurance Agent · St Simons Island, GA

Maggie Dutton - State Farm Insurance Agent serves St Simons Island, GA, as a provider of umbrella insurance policies. This agency assists clients in securing additional liability coverage beyond standard policies, offering protection for accidents or property damage claims. Umbrella insurance here is often acquired to safeguard assets and future earnings from large lawsuits. The agency helps tailor these policies to fit individual needs, with specific services including personal liability protection and coverage for incidents not fully addressed by homeowners or auto insurance.

LO
1700 Frederica Road Suite 305 St. Simon's Island
The Live Oak Insurance Agency
Umbrella Insurance Agent · St Simons Island, GA
SS
312 Plantation Chase
Seban's Insurance Solutions
Umbrella Insurance Agent · St Simons Island, GA

Seban's Insurance Solutions serves homeowners, businesses, and property managers on St Simons Island, Georgia, by connecting them with umbrella insurance policies that provide extra liability coverage beyond their standard policies. This additional layer of protection helps safeguard assets and future income against major claims or lawsuits. The agency works to assess each client’s unique risk profile and recommend appropriate policy limits. It also serves clients in the neighboring community of Brunswick, offering the same dedicated umbrella insurance services throughout Glynn County.

FR
2485 Demere Rd #100
Fleet Risk Management Inc
Umbrella Insurance Agent · St Simons Island, GA

Fleet Risk Management Inc serves St Simons Island and the surrounding coastal communities of Glynn County, handling umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. The agency works closely with clients to identify potential gaps in existing protection against major claims or lawsuits. For each typical job, it thoroughly evaluates the client’s current assets and risk exposure to determine the appropriate coverage amount and policy structure.

SC
301 Plantation Chase
Salem & Co
Umbrella Insurance Agent · St Simons Island, GA

Salem & Co provides umbrella insurance agent services for clients in St Simons Island, Georgia, offering supplemental liability coverage that extends beyond standard home and auto policies. The company helps residents protect their assets from major claims and lawsuits, working to fill gaps in existing insurance plans. This coverage can be especially valuable during the hurricane season, when storm damage often leads to complex claims and increased liability risks for property owners in the coastal area.

RA
4 Retreat Pl
Robinson & Associates Insurance, Inc
Umbrella Insurance Agent · St Simons Island, GA

Robinson & Associates Insurance, Inc in St Simons Island, GA distinguishes between one-time umbrella policies that cover a single catastrophic event and recurring service options that maintain continuous liability protection over time. Their coverage typically extends beyond the limits of standard auto and homeowners policies, providing an extra layer of defense against lawsuits and property damage claims. Service for umbrella insurance policies at this agency generally operates on an as-needed basis, tailored to each client's specific risk profile and coverage renewal schedule.

TA
125 Longview Plaza Driveway
Turner & Associates Insurance
Umbrella Insurance Agent · St Simons Island, GA

With storm season approaching on St. Simons Island, property owners often seek reliable coverage beyond their primary policies. Turner & Associates Insurance provides umbrella insurance agent services tailored to local needs, offering specialized liability protection for assets at risk from coastal weather or unforeseen incidents. Their guidance helps clients address potential gaps in standard home and auto policies. A thorough inspection of current coverage and personal exposure is the initial assessment step before discussing appropriate policy options.

PP
122 Circle Dr
Protect Pro Insurance
Umbrella Insurance Agent · St Simons Island, GA

Protect Pro Insurance provides residential umbrella coverage for homeowners in St Simons Island, GA, offering an extra layer of liability protection beyond standard policies. The agency also assists local businesses with commercial umbrella policies to safeguard against larger claims. Serving clients throughout the Brunswick area and Golden Isles region, they help individuals and companies secure added financial security for unexpected events. After obtaining initial coverage, clients often return to reassess liability limits between regular policy reviews to ensure continued adequate protection as personal circumstances change.

MG
225 Marina Dr
McGinty-Gordon & Associates
Umbrella Insurance Agent · St Simons Island, GA

McGinty-Gordon & Associates provides insurance solutions in the St Simons Island, Georgia area. Their primary focus is on umbrella liability coverage, which extends protection beyond the limits of standard homeowners and auto policies. This additional layer of insurance helps safeguard personal assets from major claims or lawsuits. They work with a variety of local commercial sectors, including professional offices, warehouses, and food service operations.

LB
400 Ocean Blvd Ste. 1102
Lighthouse Benefit Advisors
Umbrella Insurance Agent · St Simons Island, GA

Lighthouse Benefit Advisors, based in St Simons Island, GA, is known for providing umbrella insurance coverage that extends liability protection beyond standard policies. It serves local residents and businesses by offering higher policy limits to shield assets from major claims or lawsuits. The firm works with clients to assess personal liability risks associated with property ownership and everyday activities. A specialty service it can add on is coverage for rental properties, ensuring landlords have additional protection against tenant-related incidents.

OI
225 Marina Dr
Oakbridge Insurance
Umbrella Insurance Agent · St Simons Island, GA
(912) 638-8600
oakbridgeinsurance.com
LB
400 Ocean Blvd Ste. 1100
Lighthouse Benefit Resources
Umbrella Insurance Agent · St Simons Island, GA
(912) 268-4604
lighthousebenefitadvisors.com
GI
2485 Demere Rd 100 St
Gallagher Insurance, Risk Management & Consulting
Umbrella Insurance Agent · St Simons Island, GA
(912) 638-8277
assuredpartners.com/StSimonsIsland
HA
2483 Demere Rd Ste 202
The Hawthorne Agency Inc
Umbrella Insurance Agent · St Simons Island, GA
(912) 222-6465
PJ
311 Plantation Chase
Paul Jackson Insurance
Umbrella Insurance Agent · St Simons Island, GA
(912) 638-6500
GI
146 Shore Rush Dr
Golden Isles Captive Insurance
Umbrella Insurance Agent · St Simons Island, GA
(229) 630-1772
PC
St Simons Island, GA 31522
Premiere Coastal Insurance Group
Umbrella Insurance Agent · St Simons Island, GA
(912) 268-2691
IO
1624 Frederica Rd Suite 4
Insurance Office of America
Umbrella Insurance Agent · St Simons Island, GA
(912) 208-3993
ioausa.com

What Does an a Umbrella Insurance Agent in St Simons Island Cost?

The cost of an umbrella insurance policy in Georgia 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. Premiums depend on your underlying policy limits driving record and property risks. This is general information and not insurance advice.

About umbrella insurance agents in St Simons Island

An umbrella insurance agent in St Simons Island Georgia helps you secure extra liability coverage that goes beyond your auto and homeowners policies. Georgia law does not require umbrella insurance but it can protect your assets against large lawsuits or claims. Local agents understand the coastal risks of Glynn County including hurricane and flood exposures.

Frequently Asked Questions

What does an umbrella insurance agent in St Simons Island do?

An umbrella insurance agent helps you obtain a personal liability umbrella policy that provides coverage above the limits of your underlying home and auto policies. They assess your assets and risk factors to recommend appropriate coverage amounts. This is especially important in Georgia where liability claims can exceed standard policy limits.

How much umbrella insurance do I need in Georgia?

The amount of umbrella insurance you need depends on your total assets and potential liability exposure. Many agents recommend at least 1 million dollars in coverage. In Georgia there is no statutory minimum but you should consider your home value savings and future income when choosing a limit.

Is umbrella insurance required by law in Georgia?

No umbrella insurance is not required by Georgia law. However it is strongly advised for individuals with significant assets or high liability risks. Georgia follows a modified comparative fault rule which means you could be held responsible for damages even if you are only partially at fault.

Umbrella Insurance Agents in Other Georgia Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.