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Compare umbrella insurance agents in Bristol. Review contact information and insurance categorys before you decide.
14 agents listed
Updated May 2026
Bristol, TN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Tennessee before hiring.
Showing 14 umbrella insurance agents in Bristol, TN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Darren Lowe - State Farm Insurance Agent
2137 Volunteer Pkwy #3, Bristol, TN 37620
(423) 968-9221
darrenloweagent.com
Mike Adams - State Farm Insurance Agent
1500 Bluff City Hwy, Bristol, TN 37620
(423) 764-5641
mikeadamssf.com
Barbara Williams - State Farm Insurance Agent
2742 W State St #3, Bristol, TN 37620
(423) 323-3640
barbwilliamsinsurance.com
Jim Embree Insurance
1225 Bluff City Hwy, Bristol, TN 37620
(423) 968-5550
jimembree.com
Burnette & Associates Insurance
1143 Volunteer Pkwy, Bristol, TN 37620
(423) 968-2047
burnetteinsagency.com
Farm Bureau Insurance
1430 Volunteer Pkwy #34, Bristol, TN 37620
(423) 274-6380
fbitn.com
Shelter Insurance - Justin Horn
2344 Volunteer Pkwy, Bristol, TN 37620
(423) 573-8870
shelterinsurance.com
Burke, Powers & Harty, Inc.
1236 Volunteer Pkwy, Bristol, TN 37620
(423) 764-2112
bphagency.com
The Buddy Crump Insurance Agency Inc
2409 Volunteer Pkwy C, Bristol, TN 37620
(423) 764-4191
buddycrumpins.com
Shelter Insurance - Dustin Pannell
1135 Volunteer Pkwy Ste 15A, Bristol, TN 37620
(423) 573-8871
shelterinsurance.com
W.I.N. Insurance
1600 6th St Ext, Bristol, TN 37620
(423) 968-1264
winins.net
Hyde & Associates Insurance
200 7th St, Bristol, TN 37620
(423) 652-0026
hyde-associates.com
Cuddy Insurance Group (A Trustpoint Company)
615 Shelby St, Bristol, TN 37620
(423) 646-1576
cuddyinsurancegroup.com
Henson Agency
1250 Volunteer Pkwy #3, Bristol, TN 37620
(423) 806-2223
hensureit.com
Umbrella insurance agents in Bristol Tennessee help you secure extra liability coverage beyond your auto or home policy. Tennessee law does not require umbrella insurance, but it can protect your savings and future income if you face a large lawsuit. Local agents can tailor a policy to match your risk profile and property values in the Bristol area.
What Does a Umbrella Insurance Agent in Bristol Cost?
Umbrella insurance in Tennessee typically costs between 150 and 300 dollars per year for one million dollars of coverage. Higher limits, such as two or five million dollars, may cost 300 to 800 dollars annually. Your actual premium depends on your driving record, home value, and number of properties. This is general information and does not constitute insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Bristol do?
An umbrella insurance agent evaluates your current liability limits and recommends an additional policy that covers claims above those limits. They help you choose a coverage amount based on your assets and potential risks. The agent also explains how Tennessee liability laws affect your policy.
How much umbrella coverage do I need in Tennessee?
Most agents recommend at least one million dollars in umbrella coverage, but the right amount depends on your net worth and exposure. Tennessee courts can award large judgments in personal injury cases, so higher limits may be wise. Your agent can run a risk assessment to suggest a specific figure.
Does Tennessee law affect umbrella insurance rates?
Yes, Tennessee follows a modified comparative fault rule, which can impact how liability is assigned in a lawsuit. This legal framework influences the likelihood of claims and thus the cost of umbrella policies. Agents in Bristol factor in state-specific legal trends when pricing coverage.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Tennessee.