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Find Umbrella Insurance Agents Near You in Lexington, KY

Browse umbrella insurance agents serving Lexington, Kentucky. Updated 2026-07-14.

The top-rated umbrella insurance agent in Lexington, Kentucky is Debra Hensley - State Farm Insurance Agent, rated 5.0 stars across 575 reviews. Other highly rated options include Carpenter Insurance Group LLC, SeibertKeck Insurance Partners, Energy Insurance Agency. This directory lists 19 umbrella insurance agents serving Lexington.

Showing 19 umbrella insurance agents in Lexington, KYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Debra Hensley - State Farm Insurance Agent1513 Nicholasville Rd(859) 276-3244
2Carpenter Insurance Group LLC141 Prosperous Pl Suite 26(859) 202-3656
3SeibertKeck Insurance Partners2011 Rambler Rd #1(859) 203-5353
4Energy Insurance Agency3008 Atkinson Ave #3(859) 273-1549
5Integrity Insurance Group, LLC1500 Leestown Rd Ste 228(859) 800-4946
6Brooke Whalen Insurance1795 Alysheba Way UNIT 1103(859) 885-0232
7Bray & Oakley Insurance Agency3061 Fieldstone Way #300(859) 927-3743
8Renee Jackson Insurance Agency1795 Alysheba Way Suite 1101(859) 317-2217
9The Hutch Agency - Kentucky121 Prosperous Pl STE 9B(859) 309-1912
10Greater Lexington Insurance Agency, Inc.1066 Wellington Way(859) 224-2477
DH
1513 Nicholasville Rd
Debra Hensley - State Farm Insurance Agent
Umbrella Insurance Agent · Lexington, KY

Debra Hensley - State Farm Insurance Agent serves the Lexington, KY, metro area. This agency focuses on providing umbrella insurance policies that offer extra liability coverage beyond standard home and auto limits. Additional liability protection can help safeguard personal assets against major claims or lawsuits. For clients seeking greater financial security, the agency handles personal umbrella policies that extend across multiple existing insurance lines. It also manages related coverages for high-risk property and vehicle scenarios in the region.

CI
141 Prosperous Pl Suite 26
Carpenter Insurance Group LLC
Umbrella Insurance Agent · Lexington, KY

Homeowners in the Lexington, Kentucky area looking to extend liability coverage beyond their standard policies turn to Carpenter Insurance Group LLC for umbrella insurance agent services. The firm also assists business owners and property managers in securing additional protection against major claims and lawsuits. With a focus on evaluating each client’s specific risk profile, it helps recommend appropriate policy limits. The agency further provides its coverage expertise to residents in the nearby communities of Richmond and Versailles.

SI
2011 Rambler Rd #1
SeibertKeck Insurance Partners
Umbrella Insurance Agent · Lexington, KY

SeibertKeck Insurance Partners offers umbrella insurance services designed to extend liability coverage beyond standard policies, protecting clients from major claims and lawsuits. The agency assists clients in assessing their personal risk exposure and selecting appropriate coverage limits to safeguard their assets. New policyholders receive guidance on policy integration with existing homeowners and auto insurance. The firm provides scheduled reviews to help ensure coverage remains adequate as assets or circumstances change. Its services support both single-family homes and apartments, as well as retail properties and restaurants.

EI
3008 Atkinson Ave #3
Energy Insurance Agency
Umbrella Insurance Agent · Lexington, KY

Energy Insurance Agency serves Lexington, Kentucky, and the surrounding communities, handling umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. This personal umbrella insurance agent works to protect clients by addressing risks from lawsuits, personal injury claims, and property damage. The agency evaluates each client’s unique lifestyle and assets to recommend appropriate extended liability protection. To handle a typical job, it conducts a thorough review of existing underlying policies to ensure seamless layering of coverage.

II
1500 Leestown Rd Ste 228
Integrity Insurance Group, LLC
Umbrella Insurance Agent · Lexington, KY

Integrity Insurance Group, LLC in Lexington, KY provides umbrella insurance agent services, which can be secured either through a one-time policy purchase or as a recurring coverage addition to an existing insurance plan. Umbrella policies offered here extend liability protection beyond the limits of standard homeowners and auto policies, safeguarding personal assets against major claims or lawsuits. Service runs on an as-needed basis, allowing clients to initiate coverage whenever their overall liability exposure increases.

BW
1795 Alysheba Way UNIT 1103
Brooke Whalen Insurance
Umbrella Insurance Agent · Lexington, KY

Brooke Whalen Insurance focuses on providing personal umbrella liability coverage for residents of Lexington, Kentucky, extending protection beyond the limits of standard auto and homeowners policies. It handles general insurance service work to help clients in the region secure broader financial safeguarding against major claims or lawsuits. The agency assists policyholders during the spring storm season when unexpected property damage incidents often create greater liability risks.

BO
3061 Fieldstone Way #300
Bray & Oakley Insurance Agency
Umbrella Insurance Agent · Lexington, KY

Winter storms and aging trees can bring unexpected damage to Lexington properties, making liability coverage a key concern for homeowners. Bray & Oakley Insurance Agency helps clients assess these risks through custom umbrella insurance policies that extend beyond standard auto or home limits. Their agents begin by reviewing existing coverage and identifying potential gaps in protection. A free initial consultation and risk inspection of the property are scheduled to determine the appropriate level of supplementary liability coverage for each household.

RJ
1795 Alysheba Way Suite 1101
Renee Jackson Insurance Agency
Umbrella Insurance Agent · Lexington, KY

Serving the Lexington area, the Renee Jackson Insurance Agency pairs general liability coverage with specialized umbrella policies that extend protection against major claims and lawsuits. These additional layers of coverage act as a safeguard beyond standard policy limits, helping to manage significant financial risks for individuals and businesses alike. The agency supports commercial operations such as offices, warehouses, and food service establishments in building a more complete defense against unforeseen liability exposures.

HA
121 Prosperous Pl STE 9B
The Hutch Agency - Kentucky
Umbrella Insurance Agent · Lexington, KY

The Hutch Agency in Lexington, Kentucky, assists homeowners with umbrella insurance coverage to protect their residential assets. The agency also provides commercial umbrella policies for local business owners throughout the greater Lexington area. These policies extend liability limits beyond standard home or auto plans, offering an additional shield against major claims. The Hutch Agency serves clients across portions of central Kentucky. The company encourages policyholders to return between regular visits for periodic coverage reviews to ensure limits remain appropriate as personal circumstances evolve.

GL
1066 Wellington Way
Greater Lexington Insurance Agency, Inc.
Umbrella Insurance Agent · Lexington, KY
HI
3306 Clays Mill Rd Ste 106
Heritage Insurance Agency
Umbrella Insurance Agent · Lexington, KY
(859) 219-1122
heritageinsuranceky.com
SI
525 Darby Creek Rd Suite 29
Signature Insurance Group
Umbrella Insurance Agent · Lexington, KY
(859) 407-4888
signatureinsuranceky.com
SI
635 N Broadway
Sullivan Insurance Agency
Umbrella Insurance Agent · Lexington, KY
(859) 233-1637
sullivanadvantage.com
AT
343 Waller Ave #101
Al Torstrick Insurance Agency
Umbrella Insurance Agent · Lexington, KY
(859) 233-1461
altorstrick.com
LI
465 E High St #101
Lexington Insurance Agency
Umbrella Insurance Agent · Lexington, KY
(859) 253-6570
lexingtoninsuranceagency.com
JG
271 W Short St Ste 812
John G King Insurance
Umbrella Insurance Agent · Lexington, KY
(859) 252-6155
johngkinginsurance.com
SI
236 E Reynolds Rd UNIT C2
Summit Insurance Co.
Umbrella Insurance Agent · Lexington, KY
(859) 479-1234
summit-ins.com
WI
1910 Harrodsburg Rd
Whitt Insurance Agency, Inc
Umbrella Insurance Agent · Lexington, KY
(859) 278-0124
whittinsuranceagency.com
SI
80 Codell Dr Suite 120 Suite 120 Suite 120
Strong Insurance Agency LLC
Umbrella Insurance Agent · Lexington, KY
(859) 263-5840
stronginsuranceagencyky.com

What Does an a Umbrella Insurance Agent in Lexington Cost?

In Kentucky, a one million dollar personal umbrella policy generally costs between 150 and 400 dollars per year. For two million dollars in coverage, the annual premium may range from 250 to 600 dollars. Factors such as your age, driving history, and number of vehicles or properties affect the final price. This is general information and not insurance advice.

About umbrella insurance agents in Lexington

An umbrella insurance agent in Lexington Kentucky helps you secure additional liability coverage that goes beyond your auto and homeowners policies. Kentucky law requires minimum auto liability limits, but a personal umbrella policy can provide an extra layer of protection for serious accidents or lawsuits. Local agents understand the specific risks and legal environment in Fayette County and across the state.

Frequently Asked Questions

What does an umbrella insurance agent in Lexington do?

An umbrella insurance agent in Lexington helps you purchase a personal liability umbrella policy that kicks in after your underlying auto or home insurance limits are exhausted. This policy covers legal defense costs and settlements for claims like bodily injury or property damage. The agent reviews your existing coverage and recommends a suitable policy limit.

How much umbrella coverage do I need in Kentucky?

The amount of umbrella coverage you need depends on your assets and risk exposure. Many agents recommend at least one million dollars in coverage for homeowners with significant savings or rental properties. Kentucky courts can award large judgments, so a higher limit may be wise if you have substantial assets or a high risk occupation.

What is the typical cost for umbrella insurance in Lexington Kentucky?

Umbrella insurance in Kentucky typically costs between 150 and 400 dollars per year for one million dollars in coverage. Costs vary based on your driving record, number of properties, and claims history. Your agent can give you a specific quote after reviewing your current policies.

Umbrella Insurance Agents in Other Kentucky 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.