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.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Maggie Dutton - State Farm Insurance Agent | 400 Main St STE 7 | (912) 638-1881 |
| 2 | The Live Oak Insurance Agency | 1700 Frederica Road Suite 305 St. Simon's Island | (912) 434-4220 |
| 3 | Seban's Insurance Solutions | 312 Plantation Chase | (912) 638-0552 |
| 4 | Fleet Risk Management Inc | 2485 Demere Rd #100 | (912) 638-8277 |
| 5 | Salem & Co | 301 Plantation Chase | (912) 666-6165 |
| 6 | Robinson & Associates Insurance, Inc | 4 Retreat Pl | (912) 638-9717 |
| 7 | Turner & Associates Insurance | 125 Longview Plaza Driveway | (912) 265-2840 |
| 8 | Protect Pro Insurance | 122 Circle Dr | (770) 273-9059 |
| 9 | McGinty-Gordon & Associates | 225 Marina Dr | (912) 638-8600 |
| 10 | Lighthouse Benefit Advisors | 400 Ocean Blvd Ste. 1102 | (912) 771-8230 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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