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Directory of umbrella insurance agents in Horn Lake, Mississippi. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Horn Lake, MS
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 Mississippi before hiring.
Showing 2 umbrella insurance agents in Horn Lake, MS
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Stephanie Strohm - State Farm Insurance Agent
2485 Goodman Rd W, Horn Lake, MS 38637
(662) 393-1918
stephaniemorrisonagency.com
Shelter Insurance
6341 US-51 Ste 6, Horn Lake, MS 38637
(662) 393-0046
shelterinsurance.com
Umbrella insurance provides extra liability coverage beyond standard auto or homeowners policies. In Horn Lake Mississippi this coverage can protect your savings and future earnings from large claims or lawsuits. Local agents understand Mississippi liability laws and can help you find the right policy limits for your situation.
What Does a Umbrella Insurance Agent in Horn Lake Cost?
Umbrella insurance in Mississippi typically costs between 150 and 350 dollars per year for 1 million dollars of coverage. Higher limits of 2 to 5 million dollars cost 300 to 800 dollars annually. Premiums depend on your risk profile number of vehicles and properties. 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 umbrella insurance cover in Mississippi?
Umbrella insurance covers personal liability claims above your underlying policy limits. This includes bodily injury property damage and certain lawsuits. Mississippi law does not cap personal injury awards so extra coverage is important.
How much umbrella coverage should I get in Horn Lake?
Most agents recommend at least 1 million dollars in umbrella coverage. Your net worth income and risk factors determine the right amount. A local agent can review your assets and suggest an appropriate limit.
Do I need umbrella insurance if I have a homeowners policy?
Yes because standard homeowners policies have liability limits that may not cover a large claim. Umbrella insurance extends your coverage and adds a layer of protection. In Mississippi court judgments can exceed standard policy limits.
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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 Mississippi.