The top-rated umbrella insurance agent in Warren, Ohio is LMS Insurance Group, rated 4.9 stars across 319 reviews. Other highly rated options include Platt Insurance, Paige & Byrnes Insurance, Daubenmire Insurance Agency. This directory lists 19 umbrella insurance agents serving Warren.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | LMS Insurance Group | 144 N Park Ave Suite 302 | (855) 543-3765 |
| 2 | Platt Insurance | 389 Niles Cortland Rd NE | (330) 856-6244 |
| 3 | Paige & Byrnes Insurance | 9400 E Market St | (330) 393-2587 |
| 4 | Daubenmire Insurance Agency | 452 Laird Ave NE | (330) 399-3121 |
| 5 | Insurance Navigators | 1700 E Market St Suite 110 | (330) 394-7400 |
| 6 | Rob Donahue - State Farm Insurance Agent | 183 W Market St | (330) 399-5861 |
| 7 | Nikolaides Insurance Agency, Inc. | 504 Elm Rd NE | (330) 856-3699 |
| 8 | Daprile Insurance Group, LLC | 3050 Elm Rd NE #3 | (330) 395-5200 |
| 9 | Farmers Insurance - Erick Domes | 4613 Mahoning Ave NW | (330) 518-4815 |
| 10 | Bergana Insurance Agency | 526 Niles Cortland Rd SE | (330) 979-3668 |
LMS Insurance Group serves Warren, Ohio, and the surrounding Trumbull County area as an umbrella insurance agency. Its main services involve providing these policies to help clients secure extra liability coverage above their standard homeowners and auto insurance limits. Umbrella coverage can assist in protecting assets such as savings accounts or future earnings against unforeseen claims. The agency handles both personal umbrella insurance for individual households and commercial umbrella policies tailored for local businesses and property owners.
Platt Insurance serves as an umbrella insurance agent in Warren, OH, offering policies that extend liability coverage beyond standard home and auto limits. It provides comprehensive protection plans designed to safeguard clients against large claims and lawsuits. Ongoing account maintenance includes policy reviews to ensure adequate coverage limits remain aligned with individual needs. The agency handles claims assistance and helps adjust coverage as assets or risk factors change. Its services are available for single-family homes, apartments, retail, and restaurants.
Homeowners, businesses, and property managers in Warren, OH work with Paige & Byrnes Insurance for umbrella insurance agent services. These policies extend liability coverage beyond standard limits, protecting assets from major claims and lawsuits. The agency assists clients in assessing personal and commercial risks to determine appropriate excess liability protection. It also serves clients in the neighboring communities of Niles and the greater Youngstown metro area, helping residents secure additional coverage layers for financial security.
As local property values fluctuate with the seasons in Warren, homeowners and businesses often reassess their liability coverage. Daubenmire Insurance Agency helps clients by offering umbrella insurance, which provides extra protection beyond standard policies for sudden accidents or major claims. Agents review existing coverage gaps and risk factors specific to the area, such as icy walkways or neighborhood liabilities. The process begins with a complimentary initial assessment of current policies and personal assets.
Insurance Navigators in Warren, OH works with individuals and businesses to address liability coverage needs, helping clients protect assets through primary policies. A specialty addition includes umbrella insurance, which provides extra coverage beyond standard limits for unexpected events. This secondary layer aids in safeguarding savings and future earnings from major claims or lawsuits. The agency offers services to commercial sectors including offices, warehouses, and food service operations.
Rob Donahue - State Farm Insurance Agent in Warren, OH, provides umbrella insurance to protect personal assets above standard policy limits. A one-time policy purchase establishes coverage, while recurring annual renewals maintain ongoing protection without the need for periodic service meetings. Services help guard against large liability claims by extending a safety net beyond auto and homeowners policies. Insurance advice and assistance are available on an as-needed basis, with no scheduled service calendar and no one-time service plan outside of initial setup.
Serving Warren, OH, and the surrounding Mahoning Valley communities, Nikolaides Insurance Agency, Inc. handles umbrella insurance needs for local residents and businesses. This type of policy provides additional liability coverage that goes beyond the limits of standard home or auto insurance. It helps protect clients from major claims and lawsuits that could otherwise threaten personal assets. To manage a typical client situation, the agency first reviews existing underlying policies, then structures the umbrella policy to provide a seamless, extra layer of protection.
Daprile Insurance Group, LLC in Warren, OH serves residential clients first, protecting homeowners and their personal assets from liability claims beyond standard policy limits. The agency also provides commercial umbrella coverage for local businesses that require additional liability protection against larger lawsuits or incidents. Their service area extends throughout the region, ensuring both families and companies can secure this extra safety net. Following an initial policy setup, clients often return for periodic reviews or to adjust coverage as their needs evolve between regular insurance visits.
Farmers Insurance - Erick Domes in Warren, OH, is known for offering umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. Its service range includes assessing clients’ existing policies to identify risk gaps and recommending appropriate coverage levels. The agent helps homeowners, renters, and vehicle owners protect broader assets from major claims or lawsuits. This general protection strategy ensures clients face fewer personal financial threats. Erick Domes can also specialize in adding personal liability coverage for dog bites to existing umbrella policies.
What Does an a Umbrella Insurance Agent in Warren Cost?
In Ohio the annual premium for a 1 million dollar personal umbrella policy typically ranges from 150 to 350 dollars. A 2 million dollar policy may cost between 250 and 500 dollars per year. Costs vary based on your insurance company the number of vehicles you own and your claims history. This is general information not insurance advice.
About umbrella insurance agents in Warren
An umbrella insurance agent in Warren Ohio helps you secure additional liability coverage that goes beyond your auto or homeowners policy limits. Ohio law does not require umbrella insurance but it can be valuable if you own property or face higher lawsuit risks. Local agents understand the specific liability exposures common in Trumbull County and can tailor a policy to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Warren do?
An umbrella insurance agent in Warren helps you buy a personal umbrella policy that provides extra liability coverage above your existing home and auto insurance. They assess your assets and risks to recommend an appropriate coverage amount. The agent also explains how the policy responds after your underlying insurance limits are used up.
How much umbrella coverage should I get in Ohio?
Most Ohio agents recommend at least 1 million dollars in umbrella coverage for homeowners or those with significant assets. Higher limits such as 2 million or 5 million may be appropriate for business owners or high-net-worth individuals. Your agent in Warren can help you decide based on your personal situation and Ohio liability trends.
Does Ohio law require umbrella insurance?
No, Ohio law does not require umbrella insurance. However Ohio follows a modified comparative fault rule for liability cases which can affect lawsuit outcomes. Having umbrella coverage can protect your savings and future earnings if you are found partially at fault in a serious accident.
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