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Showing 2 umbrella insurance agents in St Matthews, KY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Excellent Insurance KY
230 Executive Park, St Matthews, KY 40207
(502) 957-9996
Mendenhall Insurance
735 Executive Park, St Matthews, KY 40207
(502) 897-9526
mendenhallinsuranceagency.com
What Does a Umbrella Insurance Agent in St Matthews Cost?
The cost of an umbrella insurance policy in Kentucky typically ranges from 150 to 300 dollars per year for one million dollars in coverage. Factors like your driving record number of properties and claims history affect the premium. Higher coverage limits of two to five million dollars can cost between 300 and 600 dollars annually. This is general information 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 St Matthews do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that kicks in after your underlying insurance limits are exhausted. They assess your risk profile and recommend coverage amounts typically starting at one million dollars. The agent also ensures your policy complies with Kentucky insurance regulations.
How much umbrella coverage do I need in Kentucky?
The amount of umbrella coverage you need depends on your assets and potential liability risks. Many Kentucky agents recommend at least one million dollars in coverage for most homeowners. High net worth individuals or those with rental properties may need two million or more.
Are there Kentucky specific rules for umbrella insurance?
Kentucky does not have a specific statute for umbrella policies but requires underlying auto insurance to meet minimum liability limits of 25 thousand dollars per person and 50 thousand dollars per accident. Your umbrella policy will require you to maintain those underlying limits. Umbrella insurance is governed by general contract law in Kentucky.