ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse umbrella insurance agents serving Gardner, Kansas. Contact information and addresses listed below.
9 agents listed
Updated May 2026
Gardner, KS
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Kansas before hiring.
Showing 9 umbrella insurance agents in Gardner, KS
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Joe Oldham - State Farm Insurance Agent
224 E Main St, Gardner, KS 66030
(913) 856-6124
joeoldhamagency.com
MJH Insurance
345 N Moonlight Rd, Gardner, KS 66030
(913) 856-0002
mjhins.com
Farmers Insurance - Robert Kelly Insurance Agency, Inc
235 E Main St, Gardner, KS 66030
(913) 856-3816
robertkellyinsurance.com
T Miller and Associates Inc American Family Insurance
213 E Main St, Gardner, KS 66030
(913) 856-6177
amfam.com
Ample Green Insurance
526 E Main St, Gardner, KS 66030
(913) 372-7979
amplegreeninsurance.com
Shelter Insurance - Sharla Neis
950 E Lincoln Ln b, Gardner, KS 66030
(913) 938-5030
shelterinsurance.com
Farm Bureau Financial Services
112 S Elm St, Gardner, KS 66030
(913) 856-2197
fbfs.com
ALFT Insurance Agency Inc
230 E Main St B, Gardner, KS 66030
(913) 856-8050
alftinsurance.com
Sean Snyder
112 S Elm St, Gardner, KS 66030
(913) 856-2197
fbfs.com
Umbrella insurance agents in Gardner, Kansas help you secure additional liability coverage that kicks in when your auto or homeowners policy limits are exhausted. Kansas law requires minimum liability limits of 25/50/25 for auto insurance, but an umbrella policy can provide $1 million or more in extra protection. Local agents can tailor coverage to shield your assets from lawsuits and large claims common in Johnson County.
What Does a Umbrella Insurance Agent in Gardner Cost?
In Kansas, a $1 million umbrella insurance policy typically costs between $150 and $300 per year for most drivers and homeowners. Higher coverage amounts, such as $2 million, may range from $250 to $500 annually. Premiums vary based on your claims history, number of vehicles, and property value. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Gardner do?
An umbrella insurance agent helps you buy a personal liability policy that covers claims exceeding your primary insurance limits. They assess your assets and risk factors to recommend appropriate coverage amounts. This service is especially useful for Gardner homeowners with pools, rental properties, or teenage drivers.
How much umbrella coverage do I need in Kansas?
Most Kansas agents recommend at least $1 million in umbrella coverage to protect your savings and future wages. The amount depends on your net worth, income, and liability risks. Higher limits of $2 million to $5 million are common for individuals with significant assets or high-risk activities.
Can umbrella insurance cover legal defense costs in Kansas?
Yes, umbrella policies typically cover legal defense costs even if the lawsuit is groundless. Kansas courts allow juries to award substantial damages in personal injury cases, so defense coverage is critical. Your agent can explain how the policy pays for attorneys and court fees above your primary insurance.
Free • No Obligation
Compare Umbrella Insurance Agents
Get matched with agents in Gardner who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Kansas.