The top-rated umbrella insurance agent in Raleigh, North Carolina is Carolina Insurance Professionals, rated 5.0 stars across 546 reviews. Other highly rated options include Zacharko Insurance Agency, Superior Insurance South Raleigh, All About Insurance. This directory lists 21 umbrella insurance agents serving Raleigh.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Carolina Insurance Professionals | 5540 Centerview Dr STE 200 | (919) 285-4732 |
| 2 | Zacharko Insurance Agency | 8414 Falls of Neuse Rd Suite 204 | (919) 790-9546 |
| 3 | Superior Insurance South Raleigh | 4710 Fayetteville Rd | (919) 661-4818 |
| 4 | All About Insurance | 8404 Six Forks Rd STE 203 | (919) 747-9926 |
| 5 | Dan Thompson Agency | 3130 Fairhill Dr Suite 106 | (919) 781-6564 |
| 6 | Lawson Insurance Group | 6512 Six Forks Rd STE 101 | (919) 846-2090 |
| 7 | Raleigh Insurance Group | 302 Jefferson St Suite 100 | (919) 744-7722 |
| 8 | Melissa Kiner at Comparion Insurance Agency | 4109 Wake Forest Rd # 100 | (919) 985-8709 |
| 9 | Lamm Insurance Group | 8801 Fast Park Dr #301 | (919) 747-2988 |
| 10 | Capital Insurance & Financial Services, Inc. | 3701 Lake Boone Trail #200 | (919) 571-0685 |
Carolina Insurance Professionals serves Raleigh and all of Wake County, offering umbrella insurance agent services to local residents and businesses. This type of coverage provides an extra layer of liability protection beyond standard home or auto policies, helping clients safeguard their assets against major claims or lawsuits. The agency assists with evaluating personal risk and securing appropriate policy limits. Specific services handled in this area include tailoring umbrella coverage to complement existing home insurance policies.
Zacharko Insurance Agency provides personal umbrella liability coverage in the Raleigh, North Carolina area, offering additional protection beyond standard home and auto policies. Service and maintenance plans are available to help clients review and adjust coverage limits as their assets or lifestyle change. The agency regularly reevaluates policies to ensure adequate protection against risks such as injury claims or property damage lawsuits. It services single-family homes, apartments, retail spaces, and restaurants throughout the region.
Superior Insurance South Raleigh serves homeowners, businesses, and property managers in Raleigh, North Carolina, seeking personal umbrella coverage to extend liability protection beyond standard policy limits. The agency assists clients in safeguarding assets against major claims and lawsuits, offering policies that coordinate with existing auto and home insurance. Commercial property operators also benefit from tailored excess liability solutions designed for local risk exposures. The agency additionally covers clients in nearby Cary and the surrounding Wake County communities.
All About Insurance serves the Raleigh area and its surrounding communities, handling a range of umbrella insurance needs. This type of coverage provides an extra layer of liability protection beyond standard auto or homeowners policies. The company assists clients in securing higher coverage limits for unforeseen incidents. To complete a typical job, the agent first reviews the client’s existing underlying policies to assess gaps, then recommends a specific limit to match the individual’s total asset exposure.
Dan Thompson Agency in Raleigh, North Carolina offers umbrella insurance coverage for clients who may choose between a single-policy addition or an ongoing annual renewal service. This extra liability protection activates after standard home and auto policy limits are exhausted, covering significant claims or legal judgments. Local clients benefit from a policy that safeguards assets and future income against unforeseen incidents. Service runs on either a one-time, scheduled, or as-needed basis depending on each client’s specific coverage requirements.
Lawson Insurance Group specializes in supplying umbrella insurance policies that extend liability coverage beyond standard home and auto limits. It serves clients throughout Raleigh, North Carolina, addressing their need for broader financial protection against large claims or lawsuits. The agency guides individuals and families through the process of selecting appropriate additional coverage layers for their existing policies. As winter storms bring increased risks of ice-related injuries on residential properties, such comprehensive liability protection becomes a critical safeguard for local homeowners.
When seasonal storms and winter ice threaten the Raleigh area, homeowners and drivers often consider additional liability protection. Raleigh Insurance Group assists local residents by explaining how umbrella policies can cover costs that standard plans do not. The agency reviews each client’s existing auto and homeowners coverage, then identifies gaps where an umbrella policy might provide extra security for assets. Simple language helps customers understand the added layer of protection. Every consultation begins with a personalized review of current policies and a discussion of the client’s overall financial picture.
Melissa Kiner at Comparion Insurance Agency in Raleigh, NC, provides comprehensive umbrella insurance to extend liability coverage beyond standard home and auto policies. This specialized form of insurance helps protect assets and savings when limits on underlying policies are exhausted. Serving local residential and commercial clients, the agency supports various sectors including offices, warehouses, and food service establishments.
Lamm Insurance Group in Raleigh, NC, is known for offering personal umbrella liability coverage that extends protection beyond standard home and auto policies. Its service range includes assessing individual client exposure to lawsuits and securing high-limit policies for added financial security. The company works with multiple insurers to find coverage that matches each client's asset level and risk profile. A specialty service it can add on is blanket umbrella insurance for landlords who own multiple rental properties in Raleigh.
Capital Insurance & Financial Services, Inc. serves residential clients in Raleigh with umbrella insurance policies that increase liability protection beyond standard home or auto coverage. For commercial clients, the agency also provides excess liability lines to safeguard business assets across the local area. Policies are designed to extend coverage limits, addressing gaps that may arise from unforeseen claims or legal expenses. Agents help review existing policies to ensure consistent, appropriate protection, and are available for follow-up service or adjustments between regular renewal visits.
What Does an a Umbrella Insurance Agent in Raleigh Cost?
In North Carolina, umbrella insurance typically costs between 150 and 400 dollars per year for 1 million dollars in coverage. Costs may be higher for those with multiple properties, young drivers, or high-risk exposures. Premiums vary by insurer and individual risk profile. This is general information, not insurance advice.
About umbrella insurance agents in Raleigh
Umbrella insurance provides extra liability coverage beyond your standard auto or homeowners policy. In Raleigh, North Carolina, agents can help you secure this protection to guard against major claims or lawsuits. North Carolina law does not require umbrella insurance, but it can be valuable for homeowners with significant assets or those at higher risk of liability.
Frequently Asked Questions
What does umbrella insurance cover in Raleigh?
Umbrella insurance covers liability claims that exceed the limits of your underlying policies, such as auto or homeowners insurance. It can also cover certain claims not included in those policies, like false arrest or libel. In North Carolina, it typically applies after you exhaust your primary policy limits.
How much umbrella insurance do I need in North Carolina?
Most agents recommend at least 1 million dollars in coverage, but the right amount depends on your assets and risk factors. North Carolina courts can award large judgments in liability cases, so higher limits may be wise for those with substantial savings or property. An agent can help assess your specific needs.
Can I get umbrella insurance if I have a pool or a dog in Raleigh?
Yes, but you may need to meet certain underwriting requirements. North Carolina insurers often ask about swimming pools, trampolines, and certain dog breeds because they increase liability risk. An agent can guide you on any exclusions or additional steps needed to qualify for coverage.
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