The top-rated umbrella insurance agent in Hendersonville, Tennessee is Shrum Insurance Services, rated 5.0 stars across 221 reviews. Other highly rated options include Farm Bureau Insurance, Chris Florek Insurance Agency, Melissa French: Allstate Insurance. This directory lists 19 umbrella insurance agents serving Hendersonville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shrum Insurance Services | 132 Maple Row Blvd Suite 610 | (615) 822-7680 |
| 2 | Farm Bureau Insurance | 185 Indian Lake Blvd F | (615) 826-2833 |
| 3 | Chris Florek Insurance Agency | 260 W Main St ste 110-c | (615) 431-2886 |
| 4 | Melissa French: Allstate Insurance | 105 Bluegrass Commons Blvd Ste A | (615) 338-4500 |
| 5 | Martinek Insurance Services a division of Southern Insurance Group LLC | 394 W Main St B5 | (615) 824-7577 |
| 6 | P&C Insurance | 131 Maple Row Blvd STE B200 | (615) 447-8102 |
| 7 | Williamson Insurance & Investments LLC | 133 Indian Lake Rd STE 101 | (615) 826-3313 |
| 8 | Hicks Watson Insurance Agency | 139 Maple Row Blvd STE 200 | (615) 824-8869 |
| 9 | Shelter Insurance - Jay Roth | 297 New Shackle Island Rd | (615) 822-5500 |
| 10 | Lawson Insurance Services | 115 Hazel Path Suite #4 | (615) 431-2289 |
Shrum Insurance Services serves the Hendersonville, Tennessee, area as an umbrella insurance agent. The company assists clients in securing additional liability coverage that extends beyond the limits of standard home and auto policies. This extra layer of protection can help safeguard personal assets against major claims or lawsuits. Common situations where this coverage is relevant include accidents occurring on one’s property or incidents involving a family vehicle. Shrum Insurance Services specializes in personal umbrella policies for local homeowners and drivers as supplemental liability risk management solutions in the Hendersonville area.
Farm Bureau Insurance in Hendersonville, Tennessee, provides umbrella insurance options that can be purchased as a single policy for a specific term or set up on a recurring renewal basis for ongoing protection. The coverage extends beyond standard liability limits, offering an extra layer of financial security against major claims or lawsuits. Service is available on an as-needed basis, with policies typically arranged for initial one-time activation or continued through scheduled annual renewals as the client prefers.
Chris Florek Insurance Agency in Hendersonville, TN provides umbrella insurance coverage that extends liability protection beyond standard policies. The agency helps clients evaluate their exposure and secure a supplemental layer of coverage for added financial security. It offers guidance on policy limits and facilitates any necessary adjustments to maintain adequate protection over time. This support assists individuals and businesses in managing broader risk. The company services single-family homes, apartments, retail, and restaurants.
Melissa French: Allstate Insurance serves homeowners, businesses, and property managers in Hendersonville, Tennessee, seeking protection against major liability claims. As an umbrella insurance agent, the agency provides extra coverage layers that extend beyond standard policy limits, helping clients safeguard assets from unforeseen lawsuits. Policies address gaps in existing home, auto, or commercial liability, offering broader financial security for property owners and local enterprises. The agency also serves clients in the larger Nashville metropolitan area, including nearby communities such as Gallatin.
Martinek Insurance Services, a division of Southern Insurance Group LLC, serves Hendersonville, TN, and the surrounding Nashville-area communities. It handles umbrella insurance policies that provide additional liability coverage beyond standard home or auto limits. This agency helps clients protect their personal assets against major claims or lawsuits. Its typical approach to a job involves reviewing existing insurance policies to recommend appropriate umbrella coverage that responds to gaps, ensuring a seamless layer of extra liability protection.
P&C Insurance offers clients a choice between a one-time policy for immediate umbrella liability coverage and a recurring service option for ongoing protection. This umbrella insurance agent provides policies that cover excess liability above standard auto and homeowners limits, safeguarding assets from major claims in Hendersonville, TN. Services are available on either a one-time or an as-needed basis, depending on the client's preference for continuous versus occasional risk management support.
As the fall storm season approaches in Middle Tennessee, many homeowners in Hendersonville worry about liability from fallen trees or guest injuries. Williamson Insurance & Investments LLC provides umbrella insurance coverage to protect personal assets when basic policies reach their limits. This agent works with property owners to review existing home and auto policies, identifying gaps that a modest umbrella policy can fill. A brief consultation and policy review help determine the appropriate coverage layer for each family.
As an umbrella insurance agent in Hendersonville, TN, Hicks Watson Insurance Agency specializes in providing liability coverage that extends beyond the limits of standard auto and homeowners policies. It serves clients by offering an additional layer of protection against major claims and lawsuits that could otherwise threaten personal assets. The agency works with local homeowners and drivers to help secure broader coverage for unexpected financial exposures, such as those arising from a serious accident on icy roads during the winter months.
Shelter Insurance - Jay Roth provides residential umbrella insurance service for homeowners in Hendersonville, TN, offering an extra layer of liability coverage beyond standard policies. The agency also addresses commercial coverage needs for local businesses seeking broader protection against major claims. Serving the greater Hendersonville area, clients can arrange policies during regular business hours. Follow-up discussions occur after any policy update or claim event, ensuring continued protection with repeat service available between regular annual visits for adjustments.
What Does an a Umbrella Insurance Agent in Hendersonville Cost?
In Tennessee, a $1 million personal umbrella policy generally costs $150 to $300 per year for most homeowners. Higher coverage amounts, such as $2 million or $5 million, may cost $300 to $800 annually. Factors like multiple properties, young drivers, or a history of claims can increase premiums. This is general information, not insurance advice.
About umbrella insurance agents in Hendersonville
An umbrella insurance agent in Hendersonville Tennessee can help you secure additional liability coverage beyond your standard home and auto policies. Tennessee law requires all drivers to carry minimum liability limits, but an umbrella policy provides extra protection for serious accidents or lawsuits. Local agents understand the specific risks for Hendersonville residents, such as lakefront property liability and high-traffic road incidents on Vietnam Veterans Boulevard.
Frequently Asked Questions
What does an umbrella insurance agent in Hendersonville do?
An agent helps you buy a personal umbrella policy that adds $1 million or more in liability coverage on top of your existing home and auto insurance. This extra layer protects your assets if you are sued for damages exceeding your primary policy limits.
Do I need umbrella insurance in Tennessee?
Tennessee does not require umbrella insurance by law, but it is strongly recommended if you have significant assets, a swimming pool, or a teenage driver. A single lawsuit could exceed the state minimum auto liability limits of $25,000 per person and $50,000 per accident.
How much does umbrella insurance cost in Hendersonville?
Typical umbrella insurance costs between $150 and $500 per year for $1 million in coverage. Premiums depend on your home value, number of vehicles, and driving record. Your Hendersonville agent can provide a personalized quote.
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