The top-rated umbrella insurance agent in Wilkes-Barre, Pennsylvania is Cruz Insurance LLC, rated 4.8 stars across 146 reviews. Other highly rated options include Gallagher Insurance, Risk Management & Consulting, Anthony Gallis - State Farm Insurance Agent, Goosehead Insurance - Jeff Roth. This directory lists 13 umbrella insurance agents serving Wilkes-Barre.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cruz Insurance LLC | 200 Spring St | (570) 970-7730 |
| 2 | Gallagher Insurance, Risk Management & Consulting | 1130 PA-315 | (570) 819-2000 |
| 3 | Anthony Gallis - State Farm Insurance Agent | 1611 Sans Souci Pkwy | (570) 822-5506 |
| 4 | Goosehead Insurance - Jeff Roth | 100 Wilkes-Barre Blvd Suite 403 | (570) 408-1646 |
| 5 | J.W. Hoban & Associates | 265 S Main St | (570) 823-0711 |
| 6 | Abraham Hobson Insurance Services | 529 Scott St | (570) 208-5640 |
| 7 | Bankers Life | 613 Baltimore Dr | (570) 822-3149 |
| 8 | Trust Cover Insurance PA | 380 Coal St | (570) 218-7436 |
| 9 | Prime Assure Insurance Agency | 15 Public Square | (570) 231-7412 |
| 10 | Cover trust Insurance Co. | 1172 PA-315 | (814) 247-0898 |
Cruz Insurance LLC serves homeowners and professionals throughout the Wilkes-Barre, PA metro area with specialized umbrella insurance policies. This agency provides personal liability coverage that extends beyond the limits of standard auto and homeowners policies. Such policies protect local residents from major claims and lawsuits that could threaten personal assets. The agency also tailors coverage for families with teenage drivers or rental properties. As a focused provider, it specifically handles excess liability policies and personal catastrophe coverage for clients in northeastern Pennsylvania.
Businesses, homeowners, and property managers in Wilkes-Barre, PA turn to Gallagher Insurance, Risk Management & Consulting for umbrella insurance agent services. These professionals help clients secure additional liability coverage beyond standard policies, protecting assets against major claims or lawsuits. The firm evaluates personal and commercial risks to recommend appropriate policy limits. They assist with claims guidance and policy updates as circumstances change. Their service area also extends to the greater Scranton and Lackawanna County metro region, providing similar consultation for reinsurance protection needs.
Anthony Gallis - State Farm Insurance Agent in Wilkes-Barre, PA, provides umbrella liability insurance coverage that extends beyond standard policy limits for added financial protection. Routine consultations help clients review existing policies to identify potential gaps in coverage and explore how an umbrella policy can integrate with their current plan. Customers can schedule individual meetings to evaluate their personal liability exposure and adjust coverage as their assets or lifestyle change. This agent serves single-family homes, apartments, retail establishments, and restaurants.
Goosehead Insurance - Jeff Roth serves Wilkes-Barre and the surrounding communities in Luzerne County, providing umbrella insurance agent services. It handles coverage that extends beyond standard home and auto policies to offer broader liability protection for local residents. The agency evaluates each client’s personal assets and potential risk exposure regularly. It uses a consultative approach to recommend appropriate liability limits tailored to individual needs, then reviews policy details thoroughly with each client before binding the coverage.
J.W. Hoban & Associates in Wilkes-Barre, PA helps local clients understand the difference between a one-time assessment of liability gaps and an ongoing policy that renews annually. Their umbrella insurance agent services typically provide a secondary layer of personal liability protection that extends beyond the limits of standard home and auto policies. This added coverage activates after underlying policies are exhausted. Service arrangements are flexible, with support available on both a scheduled review basis and as-needed call-in basis.
Frequent storm seasons in Wilkes-Barre can leave residents concerned about potential liability from incidents on their property. Abraham Hobson Insurance Services provides clear explanations of how umbrella coverage extends beyond standard home or auto policies to offer added protection. The agency assists clients in understanding the significant difference modest additional coverage can make against major financial risk. They focus on practical solutions for anyone seeking a stronger safety net against unexpected lawsuits. This process begins with a straightforward consultation to review existing policies and recommend appropriate coverage limits.
As an umbrella insurance agent in Wilkes-Barre, PA, Bankers Life offers specialty services that provide extra liability coverage beyond standard home and auto policies. Its general service work involves protecting clients from major claims and lawsuits that could otherwise threaten personal assets. The agency focuses on tailoring these plans to meet the unique needs of local residents. During the winter months, it helps Wilkes-Barre homeowners secure coverage for potential liability issues related to icy walkways or snow removal accidents on their property.
Trust Cover Insurance PA assists clients in Wilkes-Barre with their general insurance needs before offering umbrella insurance to provide extra liability coverage beyond standard policies. Their agents work to help individuals and businesses secure additional protection against major claims or lawsuits that could exceed primary policy limits. This expanded coverage is designed to safeguard assets and future earnings. Commercial sectors that commonly benefit from such protection include offices, warehouses, and food service establishments.
Prime Assure Insurance Agency provides residential umbrella liability coverage for homeowners in Wilkes-Barre, Pennsylvania, protecting assets beyond standard policy limits. The agency also offers commercial umbrella policies for local businesses seeking additional liability protection throughout the greater Wilkes-Barre area. Serving clients across the region, the team advises on appropriate coverage levels to shield against unforeseen claims and lawsuits. Regular policyholders often return for periodic reviews, ensuring ongoing coverage adjustments between regular policy renewal visits.
What Does an a Umbrella Insurance Agent in Wilkes-Barre Cost?
The cost of umbrella insurance in Pennsylvania typically ranges from 150 to 300 dollars per year for one million dollars in coverage. Premiums can be higher for those with multiple properties, young drivers, or high-risk activities. Costs vary by insurance company and your personal risk profile. This is general information and not insurance advice.
About umbrella insurance agents in Wilkes-Barre
Umbrella insurance provides additional liability coverage beyond what your home and auto policies offer. In Pennsylvania, this extra layer can protect your assets in the event of a major lawsuit or accident. Wilkes-Barre residents often seek this coverage due to the region's mix of suburban and urban risks, including winter weather incidents and recreational activities on nearby lakes and trails.
Frequently Asked Questions
What does umbrella insurance cover in Pennsylvania?
Umbrella insurance covers legal liability claims that exceed the limits of your underlying home or auto policies. In Pennsylvania, it can also cover certain personal injury claims like libel or slander, which are not always included in standard policies.
How much umbrella coverage do I need in Wilkes-Barre?
The amount of coverage depends on your total assets and potential risk exposure. Many agents recommend at least one million dollars in coverage, but you may need more if you own property, have a swimming pool, or engage in activities that increase liability risk.
Do I need umbrella insurance if I have a home and auto policy in Pennsylvania?
You are not legally required to have umbrella insurance in Pennsylvania, but it is highly recommended if your net worth exceeds the liability limits of your existing policies. Without it, a large judgment could put your savings and future earnings at risk.
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