ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeUmbrella Insurance AgentsTexas › Galveston

Find Umbrella Insurance Agents Near You in Galveston, TX

Browse umbrella insurance agents serving Galveston, Texas. Updated 2026-07-14.

The top-rated umbrella insurance agent in Galveston, Texas is Helix Insurance Group, rated 4.9 stars across 652 reviews. Other highly rated options include Freeway Insurance, Ai United Insurance, The O'Donohoe Agency. This directory lists 19 umbrella insurance agents serving Galveston.

Showing 19 umbrella insurance agents in Galveston, TXListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Helix Insurance Group101 Tiki Dr #202(409) 797-4040
2Freeway Insurance3402 Broadway Avenue J(409) 209-1546
3Ai United Insurance3626 Broadway Avenue J(409) 762-6111
4The O'Donohoe Agency5928 Stewart Rd(409) 402-5197
5Farmers Insurance - Luke Bohlman2228 Mechanic St #100(409) 621-5225
6Rochkind Insurance514 23rd St(409) 770-9503
7TIA-Texas Insurance Agency3825 Broadway Avenue J(713) 973-1881
8GIA Insurance6025 Heards Ln(409) 740-1251
9NavSav Insurance6202 Stewart Rd(409) 744-7111
10SMI Insurance1802 Broadway Avenue J # 118(409) 765-9515
HI
101 Tiki Dr #202
Helix Insurance Group
Umbrella Insurance Agent · Galveston, TX

Helix Insurance Group serves the Galveston, Texas, area as an umbrella insurance agent. This firm helps local residents and businesses secure additional liability coverage that extends beyond the limits of standard home or auto policies. Umbrella policies provide an extra layer of financial protection against major claims or lawsuits, a common need for coastal property owners. Helix Insurance Group handles policy reviews and client consultations for personal and commercial umbrella coverage in this region.

FI
3402 Broadway Avenue J
Freeway Insurance
Umbrella Insurance Agent · Galveston, TX

Freeway Insurance serves the Galveston, Texas area as an umbrella insurance agent. This type of coverage provides additional personal liability protection beyond standard auto and homeowners policies, helping to safeguard assets against major claims or lawsuits. For residents in this coastal region, securing this added layer of protection is a prudent practice. The agency assists clients in obtaining these expanded policies and also offers guidance on integrating them with existing home or auto insurance plans.

AU
3626 Broadway Avenue J
Ai United Insurance
Umbrella Insurance Agent · Galveston, TX

Ai United Insurance provides personalized umbrella insurance coverage for clients in Galveston, Texas, offering liability protection beyond standard policies. Its service approach includes tailored consultations to assess individual risk exposure and recommend appropriate policy limits. Maintenance support involves periodic policy reviews to align with changing assets or liabilities. The agency services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants throughout the Galveston area.

OD
5928 Stewart Rd
The O'Donohoe Agency
Umbrella Insurance Agent · Galveston, TX

The O'Donohoe Agency in Galveston, TX, provides liability protection that extends beyond standard home and auto policy limits for individuals and businesses. Service plans include annual policy reviews and streamlined claims coordination with existing insurers. The agency covers a range of property types, including single-family homes, apartments, retail spaces, and restaurants, advising clients on appropriate coverage amounts for their assets.

FI
2228 Mechanic St #100
Farmers Insurance - Luke Bohlman
Umbrella Insurance Agent · Galveston, TX

Homeowners, businesses, and property managers in Galveston, TX, turn to Farmers Insurance - Luke Bohlman for umbrella insurance agent services. This agency helps clients secure extra liability coverage that extends beyond the limits of standard auto, homeowners, or business policies. It assists in protecting assets such as homes, rental properties, and savings from major lawsuits or claims. The firm also serves policyholders throughout the nearby Texas City area, ensuring broader coastal region access.

RI
514 23rd St
Rochkind Insurance
Umbrella Insurance Agent · Galveston, TX

Rochkind Insurance serves Galveston, Texas, and the surrounding communities along the Gulf Coast. It handles umbrella insurance coverage designed to provide additional liability protection beyond standard home and auto policies for local residents and businesses. The agency manages each client’s need by first reviewing their current insurance limits and then tailoring an excess liability policy to cover potential gaps in their personal asset protection.

TT
3825 Broadway Avenue J
TIA-Texas Insurance Agency
Umbrella Insurance Agent · Galveston, TX

TIA-Texas Insurance Agency offers focused umbrella insurance agent services for Galveston residents. It works to extend liability coverage beyond standard home and auto policies, protecting clients from major claims or lawsuits. The agency assists local homeowners and drivers in securing broader financial safeguards. For those living near the Gulf Coast, it can help address elevated risks such as hurricane-related property damage and subsequent liability exposures, which often require additional protection during peak storm seasons.

GI
6025 Heards Ln
GIA Insurance
Umbrella Insurance Agent · Galveston, TX

GIA Insurance in Galveston, TX, provides umbrella insurance agency services that can be structured as either a single, one-time policy purchase for immediate excess liability coverage or as a recurring annual service for ongoing protection. This coverage extends above the limits of standard home and auto policies, offering additional financial defense against major claims or lawsuits. Premiums for these policies are typically billed on a scheduled annual basis. Service from this local agency is available on an as-needed, one-time, or scheduled basis.

NI
6202 Stewart Rd
NavSav Insurance
Umbrella Insurance Agent · Galveston, TX

Along the Texas Gulf Coast where tropical storms and rising floodwaters pose constant threats to property, NavSav Insurance in Galveston, TX, provides umbrella insurance policies that extend liability coverage beyond standard home and auto limits. These policies help protect local homeowners and businesses from major lawsuits arising from accidents or damage. When you contact NavSav Insurance, they arrange for a thorough risk assessment to begin with an inspection of your property and existing insurance setup.

SI
1802 Broadway Avenue J # 118
SMI Insurance
Umbrella Insurance Agent · Galveston, TX
FI
1813 61st St #106
Freeway Insurance
Umbrella Insurance Agent · Galveston, TX
(409) 527-8423
locations.freeway.com/freeway-insurance-galvestone-tx-77551
II
401 23rd St
IronSafe Insurance Agency
Umbrella Insurance Agent · Galveston, TX
(409) 219-5929
FL
6702 Seawall Blvd
Fred Loya Insurance
Umbrella Insurance Agent · Galveston, TX
(409) 287-9909
fredloya.com
HI
1703 23rd St
Heffernan Insurance Inc
Umbrella Insurance Agent · Galveston, TX
(409) 765-9011
heffernaninsuranceagency.com
BS
335 Westerly Dr
Brad Spurgeon Insurance Agency Inc.
Umbrella Insurance Agent · Galveston, TX
(409) 945-4746
privatewindstorm.com
GI
6511 Stewart Rd #9b
Goosehead Insurance - Adam Bryant
Umbrella Insurance Agent · Galveston, TX
(409) 443-5559
goosehead.com/agents/tx/galveston/adam-bryant
II
13450 FM3005
Island Insurance Services, LLC
Umbrella Insurance Agent · Galveston, TX
(866) 611-8596
iisgalveston.com
HJ
Galveston, TX 77553
Heffernan Jeanine
Umbrella Insurance Agent · Galveston, TX
(409) 765-9011
LA
2200 Market St Suite 325
Lamb Agency For Marine & Bonds
Umbrella Insurance Agent · Galveston, TX
(409) 762-1444
lambagencies.com

What Does an a Umbrella Insurance Agent in Galveston Cost?

In Texas, a 1 million dollar umbrella insurance policy typically costs between 150 and 300 dollars per year. A 2 million dollar policy may cost 250 to 500 dollars per year. Costs vary based on your driving record, home value, and number of properties. This is general information, not insurance advice.

About umbrella insurance agents in Galveston

An umbrella insurance agent in Galveston Texas helps you secure extra liability coverage that goes beyond your auto or home policy limits. Texas law does not require umbrella insurance, but it can protect your savings and future earnings from large lawsuits. Many Galveston residents choose this coverage because of the high risk of hurricane-related claims and personal injury lawsuits common along the Gulf Coast.

Frequently Asked Questions

What does an umbrella insurance agent in Galveston do?

An umbrella insurance agent in Galveston helps you purchase a personal liability policy that kicks in after your primary insurance limits are exhausted. This agent reviews your assets and risk factors to recommend a coverage amount. They also explain how Texas law affects claims and policy terms.

How much umbrella insurance do I need in Texas?

Texas agents often recommend coverage equal to your net worth plus one to two years of income. For example, if you own a home in Galveston worth 300,000 dollars and have 200,000 dollars in savings, you might consider a 1 million dollar umbrella policy. Your agent can calculate a specific amount based on your assets and local liability risks.

Does umbrella insurance cover hurricane damage in Galveston?

No, umbrella insurance does not cover property damage from hurricanes. It covers liability claims like someone injured on your property or a car accident you cause. For hurricane damage you need separate windstorm or flood insurance, which is common in Galveston.

Umbrella Insurance Agents in Other Texas Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.