The top-rated umbrella insurance agent in El Paso, Texas is Farmers Insurance - Araceli Rubio, rated 4.9 stars across 449 reviews. Other highly rated options include Homestate Insurance Agency, TWFG - DelaFuente Insurance Services, Enroll El Paso by NewTex Insurance Group. This directory lists 32 umbrella insurance agents serving El Paso.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Araceli Rubio | 7830 N Loop Dr | (915) 201-3838 |
| 2 | Homestate Insurance Agency | 4504 Montana Ave | (915) 832-1894 |
| 3 | TWFG - DelaFuente Insurance Services | 1307 Wyoming Ave | (915) 444-2700 |
| 4 | Enroll El Paso by NewTex Insurance Group | 7362 Remcon Cir | (915) 777-3101 |
| 5 | Farmers Insurance - Rafael Martinez | 7211 N Mesa St #2w | (915) 209-7689 |
| 6 | JSE Insurance | 6006 N Mesa St Suite 602 | (915) 412-5635 |
| 7 | Mt. Franklin Insurance | 1444 Montana Ave suite 201 | (915) 599-2900 |
| 8 | Cheda Insurance Group | 2000 Lee Trevino Dr O | (915) 412-1611 |
| 9 | Michelle Ruiz - Sunrise Insurance | 4141 Pinnacle St Ste 105 | (915) 532-1423 |
| 10 | BundleBee Insurance Agency, LLC | 11125 La Quinta Pl A | (915) 591-0075 |
Farmers Insurance - Araceli Rubio serves the El Paso, Texas, metro area as an umbrella insurance agent. This category of coverage provides an extra layer of liability protection beyond the limits of standard home or auto policies. The agency helps local residents and business owners safeguard assets against large claims and lawsuits. Umbrella insurance can also cover incidents like libel or slander. The agency regularly assists clients in coordinating umbrella policies with existing homeowners insurance and auto insurance plans.
Homestate Insurance Agency in El Paso, TX provides umbrella insurance policies that extend liability coverage beyond standard home and auto limits. The agency assists clients in assessing their personal risk exposure and selecting appropriate supplementary plans to protect assets from major claims or lawsuits. Ongoing policy reviews are offered to ensure coverage remains aligned with changing financial circumstances. The firm services single-family homes, apartments, retail establishments, and local restaurants throughout the area.
TWFG - DelaFuente Insurance Services serves homeowners, businesses, and property managers in El Paso, Texas, focused on securing umbrella insurance coverage. This type of policy adds an extra layer of liability protection beyond standard home or auto insurance limits. The agency helps clients assess their risk exposure and choose appropriate coverage amounts. Their local knowledge supports navigating liability exposures common to the El Paso area. The company also extends its services to residents and businesses in nearby Las Cruces.
Enroll El Paso by NewTex Insurance Group serves El Paso and its surrounding communities, handling umbrella insurance policies that provide extra liability coverage beyond standard home and auto policies. This additional layer of protection helps safeguard clients against large claims and lawsuits that could otherwise exhaust primary insurance limits. For a typical job, the agency begins by reviewing a client’s existing coverage and risk profile to recommend an appropriate policy limit.
Farmers Insurance - Rafael Martinez in El Paso, TX specializes in umbrella insurance policies that provide extra liability coverage above standard home and auto limits. The agency also serves clients with general personal and commercial insurance needs, helping residents secure broader protection for their assets. By extending coverage when underlying policies are exhausted, these policies offer added security during costly claims. Many local homeowners and drivers turn to such coverage ahead of the El Paso monsoon season, when increased storm-related accidents can create higher liability risks.
When spring storms and summer monsoons threaten El Paso properties, many residents seek additional financial protection beyond their standard policies. As an umbrella insurance agent, JSE Insurance works to provide extra liability coverage that helps shield policyholders from large claims and lawsuits. The company explains how this broader insurance can apply when existing home or auto limits are exhausted. Navigating increased property values and liability risks in the area requires clear guidance. JSE Insurance begins its process with a personal review of each client's current coverage to identify specific gaps.
Mt. Franklin Insurance in El Paso, TX offers umbrella insurance policies that provide extended liability coverage beyond standard home or auto limits. Clients may choose a one-time policy for a single premium payment or opt for recurring annual service to maintain continuous protection year after year. This supplemental coverage can cover large claims or lawsuits that exhaust underlying policies. The agency serves the El Paso community on a scheduled basis, typically at each renewal cycle, though it can arrange as-needed service for new policy setups.
Cheda Insurance Group in El Paso, Texas works with clients to secure general liability policies for their operations. The company specializes in adding umbrella coverage, which extends protection beyond standard policy limits and helps guard against large claims or lawsuits. These policies are particularly valuable for owners managing multiple properties or operating service-based businesses. The firm’s agent services are available to commercial sectors including offices, warehouses, and food service establishments.
Michelle Ruiz - Sunrise Insurance provides residential umbrella coverage for homeowners in El Paso, Texas, offering added liability protection beyond standard policies. Commercial umbrella insurance is also available for local businesses seeking broader financial safeguard. The agency serves clients throughout the El Paso area and the surrounding region. After an initial policy setup, the agent routinely contacts customers for annual coverage reviews or when life changes suggest a need for adjustment, ensuring policies remain aligned with current assets and exposure levels.
BundleBee Insurance Agency, LLC in El Paso, Texas provides umbrella insurance to local residents and businesses. The agency helps clients secure extra liability coverage beyond standard home and auto policies. Serving the broader El Paso region, it advises on policies that protect assets from major claims or lawsuits. For added protection, the agency can arrange personal liability umbrella insurance for high-risk properties or recreational vehicles.
What Does an a Umbrella Insurance Agent in El Paso Cost?
In Texas, umbrella insurance typically costs between 150 and 300 dollars per year for 1 million dollars of coverage. Higher limits, such as 2 million dollars, may cost 200 to 500 dollars annually. Costs vary based on your location in El Paso, your claims history, and the underlying insurance policies. This is general information and not insurance advice.
About umbrella insurance agents in El Paso
Umbrella insurance agents in El Paso, Texas help you secure extra liability coverage that goes beyond your home and auto policies. This coverage is important in Texas due to the state's high rate of uninsured drivers and the potential for large lawsuit awards under Texas civil law. An agent can explain how a personal umbrella policy can protect your assets and future earnings.
Frequently Asked Questions
What does an umbrella insurance agent do in El Paso?
An umbrella insurance agent helps you find a policy that provides additional liability coverage above your existing home and auto insurance limits. They assess your risk profile and recommend coverage amounts that fit your needs and budget.
How much umbrella coverage do I need in Texas?
Most agents recommend at least 1 million dollars in umbrella coverage for Texas homeowners. The exact amount depends on your assets, income, and potential liability risks such as a swimming pool or rental property.
Is umbrella insurance required by Texas law?
No, umbrella insurance is not required by Texas law. However, it is a common recommendation for those with significant assets or high liability risks because Texas courts can award large judgments in personal injury cases.
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