The top-rated umbrella insurance agent in Philadelphia, Pennsylvania is Adam Hutcheon - State Farm Insurance Agent, rated 4.9 stars across 368 reviews. Other highly rated options include McCollum Insurance Agency ️ ️ ️⭐⭐⭐⭐⭐, Terra Insurance Services, Freedom Insurance Group Inc. This directory lists 23 umbrella insurance agents serving Philadelphia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Adam Hutcheon - State Farm Insurance Agent | 687 N Broad St | (215) 765-2686 |
| 2 | McCollum Insurance Agency ️ ️ ️⭐⭐⭐⭐⭐ | 106 Grape St #2 | (215) 508-9000 |
| 3 | Terra Insurance Services | 1879 Cottman Ave | (215) 742-3743 |
| 4 | Freedom Insurance Group Inc | 3308 Grant Ave | (215) 673-0300 |
| 5 | Troast-Singley & Miller Insurance Agency | 2700 S 18th St | (215) 339-0333 |
| 6 | Mars Tag & Insurance Agency | 3001 W Girard Ave #1F | (215) 565-0047 |
| 7 | Main Line Risk Management | 7300 City Ave Suite 120 | (215) 878-8100 |
| 8 | Inco Insurance Services | 2424 E York St Unit 211 | (215) 608-7974 |
| 9 | Farmers Insurance - Yris Contreras | 3727-29 N 6th St | (215) 225-1099 |
| 10 | Insurephilly.com | 12325 Academy Rd | (215) 637-7621 |
Adam Hutcheon - State Farm Insurance Agent serves the Philadelphia, Pennsylvania metro area as an umbrella insurance agent. This agency provides personal umbrella liability policies that extend coverage above standard auto and homeowners limits. Such policies protect clients against major claims and lawsuits that could otherwise threaten their assets. Umbrella insurance here also covers certain liability claims not included in underlying policies, such as libel or slander. The office handles umbrella policy consultations and new policy setup for local residents.
Residential homeowners, business owners, and property managers in Philadelphia, PA, turn to McCollum Insurance Agency for umbrella insurance coverage that extends liability protection beyond standard policy limits. The agency helps clients safeguard personal assets and business equity against large claims or lawsuits. It serves as a local professional resource for structuring excess liability policies tailored to individual risk profiles and asset levels. The agency also provides its umbrella insurance agent services to clients throughout the Philadelphia metro, including the Main Line suburbs.
Terra Insurance Services serves Philadelphia, Pennsylvania, and its surrounding communities. The agency handles umbrella insurance policies, which provide extra liability coverage beyond standard home and auto policies. This additional protection helps clients manage risks from major claims or lawsuits. To handle a typical job, the agency assesses a client’s existing coverage and lifestyle to determine appropriate policy limits. It then sources a suitable policy from a carrier and submits the required paperwork to trigger the added coverage layers.
Freedom Insurance Group Inc in Philadelphia, Pennsylvania assists clients with both individual one-time policies and recurring coverage options for ongoing protection. Umbrella insurance provides an extra layer of personal liability coverage that extends beyond standard home or auto policy limits, safeguarding assets from major claims and lawsuits. This broker offers service as needed, scheduling appointments for new policies initially and then handling renewals or adjustments on a requested or scheduled basis.
Troast-Singley & Miller Insurance Agency in Philadelphia specializes in providing umbrella insurance, offering additional liability coverage beyond standard policies. It serves clients seeking broader protection for assets and future earnings. The agency generally works with homeowners and auto insurance customers who need higher limits against major claims or lawsuits. As spring storms and summer travel increase accident risks, it assists residents in securing extra coverage to safeguard against unexpected financial losses from property damage or personal injury incidents on vacation.
As winter ice and spring storms often bring unexpected liabilities to Philadelphia properties and drivers, Mars Tag & Insurance Agency helps local residents and business owners evaluate their excess coverage needs. This umbrella insurance agent reviews individual policy limits and potential risks common to the area, identifying gaps that standard policies may leave unprotected. They then present clear options for additional personal or commercial liability layers. An initial phone consultation or a review of existing declarations pages typically begins the process, after which the agent schedules a discussion to finalize coverage details.
Main Line Risk Management provides umbrella insurance agency services for clients throughout the Philadelphia area. It adds excess liability coverage above standard policies, protecting assets from major claims for accidents, injuries, or property damage. The agency extends this layer of security to both personal and commercial accounts. Its umbrella policies are suitable for offices, warehouses, and food service operations, offering broader protection when underlying limits are exhausted.
Inco Insurance Services provides residential umbrella liability coverage for homeowners in Philadelphia, Pennsylvania, offering an extra layer of protection beyond standard policies. The agency also addresses commercial umbrella insurance needs for local businesses, serving clients throughout the city and surrounding areas. Policies help safeguard personal assets against major claims or lawsuits. The team thoroughly reviews each client’s existing coverage before recommending appropriate limits. After securing a policy, they routinely follow up to discuss any life changes or asset adjustments between regular renewal visits.
Farmers Insurance - Yris Contreras is known in Philadelphia for helping individuals and businesses manage liability risks not covered by standard policies. This umbrella insurance agent provides coverage that extends beyond base auto, home, or watercraft limits to protect assets and future earnings. Clients often seek higher liability limits for accidents, property damage, or personal injury claims. An added specialty service includes customizing a personal excess policy to include uninsured motorist protection for comprehensive risk management.
What Does an a Umbrella Insurance Agent in Philadelphia Cost?
The cost of an umbrella insurance policy in Pennsylvania typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars can cost 300 to 1,000 dollars annually. Your actual premium depends on your driving record, number of properties, and the underlying policy limits. This is general information, not insurance advice.
About umbrella insurance agents in Philadelphia
An umbrella insurance agent in Philadelphia helps you secure additional liability coverage that goes beyond your home and auto policies. Pennsylvania law requires drivers to carry minimum liability insurance, but a serious accident can quickly exceed those limits. An umbrella policy provides an extra layer of protection for your savings and future earnings.
Frequently Asked Questions
What does an umbrella insurance agent in Philadelphia do?
An umbrella insurance agent helps you assess your personal liability risks and find a policy that covers claims beyond your standard insurance limits. They review your existing home and auto policies to determine the right amount of extra coverage for your situation.
How much umbrella insurance do I need in Pennsylvania?
The amount you need depends on your assets and income. Many agents recommend at least 1 million dollars in coverage. Pennsylvania courts can award large judgments in personal injury cases, so higher limits may be wise if you own a home or have significant savings.
Can I get umbrella insurance if I live in Philadelphia but own property elsewhere?
Yes, umbrella insurance typically covers you and your family members worldwide. However, you must have underlying home and auto policies that meet the minimum liability limits required by the umbrella carrier. Your agent can help you coordinate coverage across multiple properties.
Umbrella Insurance Agents in Other Pennsylvania Cities
Allentown · Belle Vernon · Bensalem · Bethlehem · Blue Bell · Cranberry Twp · Easton · Erie · Exton · Harrisburg · Havertown · Hershey · Horsham · Huntingdon Valley · King of Prussia