The top-rated umbrella insurance agent in Derby, Kansas is Jean Garinger American Family Insurance, rated 4.6 stars across 65 reviews. Other highly rated options include Mark May: Allstate Insurance, Rael Hodgson - State Farm Insurance Agent, Farmers Insurance - Julie Olmsted. This directory lists 17 umbrella insurance agents serving Derby.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jean Garinger American Family Insurance | 601 N Baltimore Ave | (316) 788-6777 |
| 2 | Mark May: Allstate Insurance | 402 N Baltimore Ave | (316) 867-0108 |
| 3 | Rael Hodgson - State Farm Insurance Agent | 1710 E Madison Ave Ste 100 | (316) 788-7788 |
| 4 | Farmers Insurance - Julie Olmsted | 1121 N College Pk St Ste 300 | (316) 788-7707 |
| 5 | Wheat State Insurance Group Wichita area | 228 N Baltimore Ave | (316) 776-0777 |
| 6 | Shelter Insurance - Lindsay Dearduff | 613 N Rock Rd | (316) 788-9191 |
| 7 | Spachek Agency LLC American Family Insurance | 622 N Mulberry Rd | (316) 788-1526 |
| 8 | Shelter Insurance - Tim Hicks | 124 S Baltimore Ave #B | (316) 788-4271 |
| 9 | Farmers Insurance - Ronald Wells. | 220 N Baltimore Ave | (316) 788-9229 |
| 10 | ICI Insurance | 1259 Rainbow Dr Ste 400 | (316) 788-9200 |
Jean Garinger American Family Insurance serves the Derby, Kansas area and surrounding Sedgwick County as an umbrella insurance agent. The agency provides personal umbrella liability coverage designed to protect clients from major claims and lawsuits exceeding standard policy limits. Umbrella policies offer additional layers of protection for auto, home, and other personal liability risks. Jean Garinger American Family Insurance helps local residents secure these extra coverage limits. The agency handles both personal umbrella policies and consultations to assess individual liability exposure.
Mark May: Allstate Insurance provides umbrella insurance coverage in Derby, Kansas, offering supplemental liability protection that extends beyond standard policy limits. Its service includes tailoring these broader policies to match a client’s specific risk profile, with ongoing plan reviews to adjust coverage as needs change. The agency assists in protecting significant assets against major claims or lawsuits that could otherwise exceed basic insurance caps. It services single-family homes, apartments, retail locations, and restaurants, ensuring varied property types receive appropriate excess liability safeguards.
Rael Hodgson - State Farm Insurance Agent in Derby, KS serves homeowners, businesses, and property managers seeking personal umbrella liability coverage beyond standard policy limits. This protection helps safeguard assets against major claims or lawsuits that could otherwise have severe financial consequences. The agency works with local clients throughout Derby and also extends its coverage services to neighboring communities such as Haysville and the surrounding Wichita metropolitan area.
Farmers Insurance - Julie Olmsted specializes in umbrella insurance agent services in Derby, KS, offering supplemental liability coverage that extends beyond standard home and auto policy limits. The agency also handles general insurance needs for local residents and businesses, providing guidance on policy integration and risk assessment. As a local resource, it helps protect clients from major financial losses in the event of accidents or unforeseen property damage, and can address coverage concerns following a severe Kansas storm or winter weather event.
Serving Derby, Kansas, and the surrounding Wichita area communities, Wheat State Insurance Group handles umbrella insurance policies that extend additional liability coverage beyond standard home and auto limits. This broadens protection for clients against major claims and lawsuits. In a typical job, the agency conducts a thorough review of existing policies to identify exposure gaps and then matches clients with appropriate coverage limits from its available carriers.
Shelter Insurance - Lindsay Dearduff in Derby, Kansas, provides umbrella insurance on a one-time basis for a new policy setup or through a scheduled recurring premium plan that renews automatically. Umbrella coverage extends extra liability protection beyond standard home and auto policies, safeguarding personal assets against major claims or lawsuits. Policyholders in the Derby area can choose the option that best fits their financial planning needs. Service runs on either a one-time or scheduled recurring basis depending on the client’s preference.
As the seasons change and storm activity increases in south-central Kansas, Derby residents face growing concerns about uncovered liability from accidents on their property. Spachek Agency LLC American Family Insurance helps local homeowners and drivers evaluate their exposure beyond standard policy limits. Umbrella coverage through this Derby agency adds an extra layer of financial protection against large claims or lawsuits. After an initial conversation regarding current assets and risk factors, the agent schedules a personal review of existing home and auto policies to determine appropriate coverage limits and begin any necessary adjustments.
Shelter Insurance - Tim Hicks serves the Derby, Kansas area by helping residents and businesses manage liability risks. As an umbrella insurance agent, they offer extra coverage that extends beyond standard policy limits. This additional layer of protection can safeguard assets in the event of a major accident or lawsuit. The agency supports various commercial sectors, including offices, warehouses, and food service operations.
Farmers Insurance - Ronald Wells in Derby, KS serves homeowners in search of residential umbrella policies to extend liability protection beyond standard coverage limits. Commercial clients in the area also access similar excess liability solutions through this local agency. The firm provides its services across Derby and the surrounding Sedgwick County region. After an initial policy setup, clients can expect straightforward follow-up on coverage adjustments or claim support between regular visits for long-term account maintenance.
ICI Insurance in Derby, KS is known for providing personalized umbrella insurance policies that extend liability coverage beyond standard home and auto limits. The agency serves local residents and small businesses seeking added financial protection against major claims or lawsuits. Its advisors analyze each client’s existing policies to recommend appropriate umbrella tiers. A specialty service it can add on is excess flood and earthquake coverage tailored to the region’s specific weather risks.
What Does an a Umbrella Insurance Agent in Derby Cost?
In Kansas, a 1 million dollar umbrella policy typically costs between 150 and 300 dollars per year. Higher limits like 2 million or 5 million may cost 300 to 600 dollars annually. Premiums vary based on your driving record, number of properties, and personal risk factors. This is general information and not insurance advice.
About umbrella insurance agents in Derby
Umbrella insurance agents in Derby Kansas help you secure extra liability coverage that kicks in after your auto or homeowners policy limits are exhausted. Kansas law requires minimum auto liability limits of 25/50/25 but a single lawsuit can exceed those amounts quickly. A local agent can explain how umbrella policies protect your savings and future earnings against large claims.
Frequently Asked Questions
What does an umbrella insurance agent in Derby do?
An umbrella insurance agent in Derby helps you evaluate your personal liability risks and find a policy that provides additional coverage above your existing home and auto insurance. They can also review your current assets and recommend appropriate coverage limits based on Kansas liability laws.
How much umbrella coverage should I get in Kansas?
Most Kansas agents recommend at least 1 million dollars in umbrella coverage because medical costs and lawsuit awards can be very high. Your agent will consider your net worth, income, and potential risks like a swimming pool or teenage driver to suggest a suitable limit.
Do I need umbrella insurance if I have a Kansas farm or ranch?
Yes, Kansas farm and ranch owners face unique liability risks such as livestock incidents or equipment accidents. Umbrella insurance can provide extra protection beyond your farm policy and is often required by lenders if you have significant assets.
Umbrella Insurance Agents in Other Kansas Cities
Hutchinson · Lawrence · Leavenworth · Lenexa · Manhattan · Olathe · Overland Park · Salina · Shawnee · Topeka · Wichita