The top-rated umbrella insurance agent in Bloomington, Indiana is Shine Insurance Agency LLC, rated 4.9 stars across 120 reviews. Other highly rated options include First Insurance Group Inc, Shelter Insurance - Doug Hazen, Lutcf, Gredy Insurance Agency. This directory lists 19 umbrella insurance agents serving Bloomington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shine Insurance Agency LLC | 1605 S Walnut St | (812) 679-8779 |
| 2 | First Insurance Group Inc | 1405 N College Ave | (812) 331-3230 |
| 3 | Shelter Insurance - Doug Hazen, Lutcf | 1900 W 3rd St | (812) 334-1413 |
| 4 | Gredy Insurance Agency | 3939 S Walnut St #1 | (812) 337-3333 |
| 5 | A1 Auto Insurance Agency | 115 E 2nd St | (812) 337-0492 |
| 6 | The Insurance Center Group | 5488 IN-46 | (812) 337-7637 |
| 7 | Barrett Agency - Indiana Farm Bureau Insurance | 1502 S College Ave | (812) 369-0747 |
| 8 | The Burton Group | 5015 W, IN-46 suite j | (812) 334-4000 |
| 9 | Farmers Insurance - Tawni Hill | 1635 W 3rd St | (812) 333-1525 |
| 10 | Nicholas Potts American Family Insurance | 1000 N Walnut St Suite G | (812) 778-3520 |
Shine Insurance Agency LLC serves Bloomington, Indiana, and the surrounding Monroe County area as an umbrella insurance agent. This agency provides liability coverage that extends beyond the limits of standard auto, homeowners, and watercraft policies. It helps clients protect their assets from major claims and lawsuits. The firm also offers personal umbrella policies for those seeking additional peace of mind and commercial umbrella coverage for local business owners in the region.
First Insurance Group Inc provides umbrella insurance services to clients throughout the Bloomington, Indiana area. It offers supplemental liability coverage that extends beyond the limits of standard home and auto policies, protecting clients from major claims and lawsuits. The company helps policyholders design comprehensive coverage plans to safeguard their assets. Ongoing policy reviews and adjustments are available to ensure coverage keeps pace with changing needs. This agent serves single-family homes, apartments, retail establishments, and restaurants.
Serving homeowners, businesses, and property managers in Bloomington, Shelter Insurance - Doug Hazen, Lutcf provides umbrella insurance policies that offer extra liability coverage beyond standard home or auto limits. This added layer of protection helps safeguard assets when a serious accident or injury occurs on the insured property. For residents and operators needing broader financial security against major claims, this agency delivers straightforward policy options. The coverage area also extends to Ellettsville and nearby Monroe County communities.
Serving Bloomington, Indiana, and its surrounding communities, Gredy Insurance Agency handles personal umbrella liability coverage to extend protection beyond standard home and auto policies. This type of insurance addresses major claims that could otherwise exceed underlying policy limits. The agency approaches each client’s situation by first assessing their current policies and liability needs, then arranging an umbrella policy to bridge any coverage gaps.
A1 Auto Insurance Agency in Bloomington, IN provides umbrella insurance, which is separate from a primary auto policy. This coverage offers additional liability protection beyond standard limits, safeguarding assets against major claims or lawsuits. The agency assists with both initial policy setup and options for renewal, though limitations of liability always apply. Service runs on an as-needed basis, with clients typically contacting the agency when reviewing coverage or inquiring about a policy change.
The Insurance Center Group in Bloomington, IN offers specialty services in securing personal umbrella liability policies that extend coverage beyond standard home and auto limits. Its general work includes consulting with clients to assess potential financial exposure and coordinating excess liability protection for unexpected claims and legal defense. During severe winter weather season, the agency helps local homeowners and drivers evaluate additional coverage needs caused by increased risks of accidents, icy sidewalk injuries, and snow removal liabilities on residential or commercial property.
When unexpected storms or sudden liability concerns arise in the Bloomington area, Barrett Agency - Indiana Farm Bureau Insurance offers guidance on umbrella insurance policies as an added layer of personal protection. This coverage extends beyond standard home and auto liability limits, safeguarding local residents against major claims and lawsuits. The agency tailors umbrella policies to fill gaps left by underlying insurance, providing financial peace of mind in unpredictable situations. An initial telephone or in-person assessment evaluates current coverage exposure before suggesting appropriate additional limits.
Farmers Insurance - Tawni Hill provides residential umbrella insurance services for homeowners in Bloomington, IN, offering added liability protection beyond standard policies. Commercial umbrella coverage is also available for local businesses seeking extended risk management. The company serves clients throughout the Bloomington area with individualized policy consultations. Follow-up service is provided between regular visits to adjust coverage limits or address questions that arise after the initial policy is in place.
Nicholas Potts American Family Insurance in Bloomington, Indiana, provides personal umbrella insurance policies that offer supplemental liability coverage beyond standard home and auto limits. One-time service options typically involve setting up the policy for the current term, while recurring service includes annual policy reviews and adjustments to coverage limits as client needs evolve. The company helps protect local assets from major claims and lawsuits. Service arrangements for umbrella coverage run on a scheduled annual basis in coordination with the renewal of underlying policies.
What Does an a Umbrella Insurance Agent in Bloomington Cost?
Umbrella insurance in Indiana typically costs between 150 and 350 dollars per year for one million dollars of coverage. Each additional million may add 50 to 100 dollars annually. Your actual premium depends on your risk factors like number of vehicles and rental properties. This is general information and not insurance advice.
About umbrella insurance agents in Bloomington
Umbrella insurance provides extra liability coverage beyond your auto or homeowners policy. In Bloomington Indiana agents can help you assess your risk from local activities like boating on Lake Monroe or hosting community events. Indiana law does not require umbrella insurance but it can protect your assets from large lawsuits.
Frequently Asked Questions
What does an umbrella insurance agent in Bloomington do?
An agent reviews your existing policies and recommends an umbrella policy that adds one million to five million dollars in liability coverage. They help you understand how Indiana law affects claims and coverage limits.
How much coverage should I get from a Bloomington agent?
Most agents suggest at least one million dollars in umbrella coverage. If you own rental property or have a high net worth you may need two to five million dollars. Indiana courts can award large judgments so higher limits offer better protection.
Do I need umbrella insurance if I have a standard home and auto policy?
Yes because your base policies have limits that can be exhausted by a single accident or lawsuit. Umbrella insurance kicks in after those limits are used. In Indiana the minimum auto liability is only twenty five thousand dollars which may not cover a serious crash.
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