The top-rated umbrella insurance agent in Sugar Land, Texas is Farmers Insurance - Matthew Pham, rated 5.0 stars across 536 reviews. Other highly rated options include Smart Insurance, Kimball Insurance - Sugar Land, Farmers Insurance - Kelly Baca. This directory lists 20 umbrella insurance agents serving Sugar Land.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Matthew Pham | 5501 Cabrera Dr Ste 702 | (281) 466-4165 |
| 2 | Smart Insurance | 12808 W Airport Blvd #310 | (832) 670-1121 |
| 3 | Kimball Insurance - Sugar Land | 77 Sugar Creek Center Blvd Ste 600 | (281) 565-7550 |
| 4 | Farmers Insurance - Kelly Baca | 130 Industrial Blvd #150 | (713) 781-7600 |
| 5 | First Solution Group- Simme Huynh | 56 Sugar Creek Center Blvd #375 | (281) 240-5433 |
| 6 | Prosafe Insurance | 3 Sugar Creek Center Blvd #100 | (281) 720-8508 |
| 7 | First Choice Insurance Partners | 830 Julie Rivers Dr Suite 804 | (832) 437-4180 |
| 8 | Acrisure Sugar Land, TX (Insurance Solutions of Texas) | One Sugar Creek Center Blvd #550 | (281) 565-2222 |
| 9 | Hoffman Insurance Group Powered by YourPolicy | 14905 Southwest Fwy # 200 | (281) 491-6565 |
| 10 | Heitmann Agency LLC | 14090 Southwest Fwy #300 | (281) 207-5075 |
Farmers Insurance - Matthew Pham serves Sugar Land and the surrounding Fort Bend County area with commercial and personal umbrella insurance coverage. This agency provides supplementary liability protection that extends beyond the limits of standard home and auto policies. Residents and businesses in this region often utilize umbrella insurance to safeguard assets against major claims or lawsuits. The agency assists clients in evaluating coverage gaps to determine appropriate policy limits. It handles umbrella insurance for homeowners in Sugar Land and for local small business owners operating in the area.
Smart Insurance in Sugar Land, TX offers comprehensive umbrella insurance coverage for individuals and businesses seeking additional liability protection beyond standard policies. The agency customizes service plans to evaluate clients' existing coverage gaps and advises on appropriate policy limits. Their maintenance plans include periodic policy reviews to adjust for changing assets or exposure levels. Smart Insurance provides these services for properties such as single-family homes, apartments, retail spaces, and restaurants.
Kimball Insurance - Sugar Land assists homeowners, businesses, and property managers in securing umbrella liability coverage. The firm offers policies that provide extra protection beyond standard auto or home insurance limits, helping clients safeguard assets in an area prone to weather-related claims. This agent works to identify appropriate coverage levels based on individual risk profiles. Serving the Sugar Land area, the company also handles client needs in nearby communities such as Missouri City and the greater Houston metro region.
Farmers Insurance - Kelly Baca serves Sugar Land and the surrounding Houston-area communities, handling umbrella insurance needs for local residents and businesses. This coverage provides an extra layer of liability protection beyond standard auto, home, or watercraft policies. Kelly Baca focuses on helping clients close potential gaps in their existing insurance to guard against large claims or lawsuits. For a typical job, the agent reviews a client's current coverage limits and personal assets, then recommends a policy that matches their specific risk exposure.
First Solution Group- Simme Huynh in Sugar Land, TX specializes in evaluating and structuring umbrella insurance policies that extend liability coverage beyond standard home and auto limits. The agency provides general insurance guidance for individuals and families seeking increased financial protection. Its services work to help clients manage the specific risk of major claims or lawsuits arising during the hurricane season common to coastal Texas areas.
As heavy rain and seasonal storms sweep through Sugar Land, extra liability protection becomes a priority for many homeowners. Prosafe Insurance provides umbrella insurance that extends coverage beyond standard home and auto policies. The agency helps residents secure higher limits against major claims or lawsuits. Each policy is structured to bolster existing coverage without creating gaps. An initial consultation assesses current liabilities and recommends an appropriate shield of additional protection.
First Choice Insurance Partners in Katy, TX can structure umbrella insurance coverage as either a single one-time policy for a specific risk event or as an ongoing recurring service that protects assets year after year. This added liability layer extends above the limits of standard auto and homeowners policies, safeguarding personal savings and future earnings from costly lawsuits. Service runs on either a one-time, annual, or as-needed basis depending on client preference.
Acrisure Sugar Land, TX (Insurance Solutions of Texas) offers umbrella insurance on either a one-time policy purchase or a recurring annual premium basis, providing supplementary liability coverage that extends beyond the limits of standard home and auto policies. This additional layer protects policyholders against major claims and lawsuits. Service is available on a scheduled basis, with regular policy reviews conducted to adjust coverage levels as personal assets and risk exposures change over time.
Hoffman Insurance Group Powered by YourPolicy, based in Sugar Land, TX, handles general insurance for property and liability coverage. As an umbrella insurance agent, it specializes in adding extra protection layers beyond standard policy limits to secure assets. This service helps individuals and businesses manage severe liability claims. The company serves various commercial sectors including offices, warehouses, and food service operations, offering tailored umbrella coverage for each distinct operational risk.
Heitmann Agency LLC provides umbrella insurance services for residential clients in the Sugar Land area, helping to secure personal assets beyond standard policy limits. The agency also extends commercial umbrella coverage for local businesses seeking added liability protection. Operating throughout Sugar Land and the surrounding region, they evaluate each client’s needs to recommend appropriate layers of coverage. Their service often leads to follow-up consultations or adjustments between regular scheduled visits.
What Does an a Umbrella Insurance Agent in Sugar Land Cost?
The cost of umbrella insurance in Texas typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage. For higher limits such as 2 to 5 million dollars the annual premium may range from 300 to 800 dollars. Costs vary based on your risk profile number of vehicles and property value. This is general information and not insurance advice.
About umbrella insurance agents in Sugar Land
Umbrella insurance agents in Sugar Land Texas help residents secure extra liability coverage that goes beyond the limits of auto and homeowners policies. Texas law does not require umbrella insurance but it can be important for protecting assets like a home or savings. Local agents understand the specific risks faced by Sugar Land homeowners and drivers in the Houston metro area.
Frequently Asked Questions
What does an umbrella insurance agent in Sugar Land do?
An umbrella insurance agent helps you find a policy that provides additional liability coverage above your existing auto and home insurance. They assess your personal risk factors and recommend a coverage limit that fits your needs. The agent also explains how the policy coordinates with your underlying insurance.
How much umbrella insurance coverage do I need in Sugar Land Texas?
The amount of coverage you need depends on your total net worth and potential liability risks. Many agents recommend at least 1 million dollars in coverage for homeowners with significant assets. A common range is 1 million to 5 million dollars for high net worth individuals.
Is umbrella insurance required by Texas law?
No Texas law does not require umbrella insurance. However if you have a high net worth or face higher liability risks such as owning a pool or rental property an agent can help you decide if a policy is right for you. The policy kicks in after your underlying insurance limits are exhausted.
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