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Find Umbrella Insurance Agents Near You in Durham, NC

Browse umbrella insurance agents serving Durham, North Carolina. Updated 2026-07-14.

The top-rated umbrella insurance agent in Durham, North Carolina is Salazar Insurance Agency & Latino Tax Corporation, rated 4.8 stars across 497 reviews. Other highly rated options include Superior Insurance of Durham, Mike Embree Insurance Agency, The Insurance Pros. This directory lists 18 umbrella insurance agents serving Durham.

Showing 18 umbrella insurance agents in Durham, NCListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Salazar Insurance Agency & Latino Tax Corporation1231 University Dr(919) 797-0135
2Superior Insurance of Durham1314 Broad St(919) 224-8034
3Mike Embree Insurance Agency3813 University Dr(919) 489-7336
4The Insurance Pros1210 Cole Mill Rd STE 101(919) 294-6613
5All About Insurance - Durham2605 Guess Rd(919) 479-8200
6Bowen Agency, Inc.2530 Meridian Pkwy Suite 300(919) 929-4222
7Herring & Bickers Insurance2344 Operations Dr #101(919) 479-9900
8Insurance People of North Carolina1920 Front St(919) 383-0442
9George Stevens Insurance Inc1320 Hill St(919) 403-3611
10First Insurance Services5007 Southpark Dr STE 230(919) 941-0549
SI
1231 University Dr
Salazar Insurance Agency & Latino Tax Corporation
Umbrella Insurance Agent · Durham, NC

Salazar Insurance Agency & Latino Tax Corporation serves the Durham, North Carolina area as an umbrella insurance agent. Umbrella insurance provides extra liability coverage beyond standard policies, helping protect personal assets from major claims or lawsuits. The agency focuses on securing additional limits that work with homeowners and auto insurance. It assists clients in evaluating their risk exposure and obtaining suitable umbrella policies. Specific services the agency handles include assessing coverage gaps for Durham residents and tailoring excess liability protection for local policyholders.

SI
1314 Broad St
Superior Insurance of Durham
Umbrella Insurance Agent · Durham, NC

Superior Insurance of Durham provides umbrella liability coverage alongside advice on policy structuring and claims support. Its service approach includes policy reviews, coverage gap assessments, and coordination with underlying home and auto insurers to maintain seamless protection. This company assists with increasing primary liability limits for various properties, offering an added safeguard against lawsuits or large settlements that exceed standard policy caps. It services single-family homes, apartments, retail establishments, and restaurants throughout the Durham area.

ME
3813 University Dr
Mike Embree Insurance Agency
Umbrella Insurance Agent · Durham, NC

Mike Embree Insurance Agency serves homeowners, businesses, and property managers in Durham, North Carolina, by arranging umbrella insurance policies that add an extra layer of liability coverage above standard limits. This type of agent helps clients protect assets from major claims or lawsuits, offering crucial financial security for various local risks in the region. The agency also extends these personalized insurance services throughout the Research Triangle Park area and neighboring communities like Chapel Hill.

IP
1210 Cole Mill Rd STE 101
The Insurance Pros
Umbrella Insurance Agent · Durham, NC

The Insurance Pros serves Durham, North Carolina, and the surrounding communities. It handles umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. This type of protection helps safeguard personal assets from larger claims or lawsuits. The company handles each client's risk situation by reviewing existing policies to determine appropriate coverage levels and then securing a suitable policy from a carrier. It commonly closes a job by explaining the policy conditions and giving a clear summary of the additional protection the client now holds for unexpected events.

AA
2605 Guess Rd
All About Insurance - Durham
Umbrella Insurance Agent · Durham, NC

All About Insurance - Durham in Durham, NC distinguishes between one-time policy reviews and recurring annual service plans as options for local clients. Their umbrella insurance coverage provides additional liability protection beyond standard home and auto policies, helping safeguard personal assets against major claims or lawsuits. This service helps residents manage excess liability risks that could arise from common incidents on their properties or during daily activities. The company offers its coverage and policy management services strictly on a scheduled annual renewal basis.

BA
2530 Meridian Pkwy Suite 300
Bowen Agency, Inc.
Umbrella Insurance Agent · Durham, NC

Bowen Agency, Inc. specializes in umbrella insurance policies that provide extended liability coverage beyond standard home and auto limits. The agency serves clients throughout Durham, North Carolina, evaluating individual risk exposure to recommend appropriate supplemental protection. Its general service work includes reviewing existing policy structures to identify potential coverage gaps for homeowners and drivers in the area. This season, the agency can help clients assess their liability risks before winter weather increases the chance of ice-related accidents or property damage.

HB
2344 Operations Dr #101
Herring & Bickers Insurance
Umbrella Insurance Agent · Durham, NC

When spring storms bring heavy rain and sudden flooding to Durham, excess liability protection becomes a practical concern. Herring & Bickers Insurance serves as a local umbrella insurance agent, helping clients assess additional coverage gaps beyond standard homeowners or auto policies. The company reviews existing policies to determine how personal assets might be better shielded against substantial claims or lawsuits. A typical first step involves scheduling a detailed consultation to examine current liability limits and identify areas requiring broader protection.

IP
1920 Front St
Insurance People of North Carolina
Umbrella Insurance Agent · Durham, NC

Insurance People of North Carolina provides general liability coverage for property owners and businesses in the Durham area. As an umbrella insurance agent, the firm specializes in adding an extra layer of liability protection that extends beyond the limits of standard primary policies. This specialty add-on can help safeguard personal or commercial assets against major claims. The company offers these services to a range of commercial sectors, including small offices, warehouses, and food service operations.

GS
1320 Hill St
George Stevens Insurance Inc
Umbrella Insurance Agent · Durham, NC

George Stevens Insurance Inc provides residential umbrella insurance coverage for homeowners in Durham, NC, offering an extra layer of liability protection beyond standard policies. The agency also extends commercial umbrella coverage for local businesses seeking increased liability limits. Professional guidance helps clients in Durham and surrounding areas understand policy options and coverage thresholds. After an initial policy setup, the agency follows up to review coverage needs and can adjust terms during regular service visits.

FI
5007 Southpark Dr STE 230
First Insurance Services
Umbrella Insurance Agent · Durham, NC
MI
1210 Cole Mill Rd STE 101
McClintock Insurance Agency
Umbrella Insurance Agent · Durham, NC
(919) 484-4822
mcclintockinsuranceagency.com
PA
1414 Avondale Dr #11
Protective Agency
Umbrella Insurance Agent · Durham, NC
(919) 688-8289
protectiveagency.com/location/cheap-car-insurance-durham-2
PA
4215 University Dr #1
Protective Agency
Umbrella Insurance Agent · Durham, NC
(919) 416-4900
protectiveagency.com/location/durham
SD
1410 Christian Ave
Sure Drive Insurance NC
Umbrella Insurance Agent · Durham, NC
(919) 421-4505
insuranceprosonline.com
DI
2609 N Duke St #102
Diversified Insurance Solutions
Umbrella Insurance Agent · Durham, NC
(919) 471-8222
diverseins.com
IC
1920 Front St STE 710
Insurance Center of Durham
Umbrella Insurance Agent · Durham, NC
(919) 471-2541
EI
3813 University Dr
Embree Insurance Agency
Umbrella Insurance Agent · Durham, NC
(919) 489-7336
embreeins.com/locations/durham-north-carolina
IP
1920 Front St STE 750
Insurance People: Ross Howard W
Umbrella Insurance Agent · Durham, NC
(919) 383-0442
inspeopleofnc.com

What Does an a Umbrella Insurance Agent in Durham Cost?

In North Carolina umbrella insurance typically costs between 150 and 400 dollars per year for 1 million dollars in coverage. Premiums vary based on your driving record number of properties and other risk factors. Higher coverage limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. This is general information and not insurance advice.

About umbrella insurance agents in Durham

An umbrella insurance agent in Durham North Carolina helps you secure extra liability coverage beyond standard home and auto policies. North Carolina law requires minimum auto liability limits of 30/60/25 but umbrella policies provide additional protection for major claims or lawsuits. Working with a local agent ensures your policy aligns with state regulations and your specific risk profile.

Frequently Asked Questions

What does an umbrella insurance agent in Durham do?

An umbrella insurance agent helps you assess your liability risks and obtain a policy that covers claims exceeding your primary insurance limits. They review your assets and recommend appropriate coverage levels based on your financial situation.

Do I need umbrella insurance in North Carolina?

Umbrella insurance is not required by North Carolina law but is recommended if you have significant assets or face higher liability risks. Common triggers include owning a pool having a teenage driver or renting out property.

How much umbrella coverage do I need in Durham?

Most agents recommend at least 1 million dollars in umbrella coverage but the right amount depends on your net worth and potential exposure. A local agent can help calculate a suitable limit based on your home value savings and income.

Umbrella Insurance Agents in Other North Carolina 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.