The top-rated umbrella insurance agent in Temple, Texas is Shaffin Wegener - State Farm Insurance Agent, rated 5.0 stars across 951 reviews. Other highly rated options include Maxwell Financial Group: Allstate Insurance, Pronto Insurance, AllAbout Insurance. This directory lists 21 umbrella insurance agents serving Temple.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shaffin Wegener - State Farm Insurance Agent | 4212 S 5th St | (254) 228-0369 |
| 2 | Maxwell Financial Group: Allstate Insurance | 201 Clinite Grove Blvd Ste 110 | (254) 332-1263 |
| 3 | Pronto Insurance | 1505 W Adams Ave | (254) 800-1000 |
| 4 | AllAbout Insurance | 4102 S 31st St #300 | (254) 773-3833 |
| 5 | Texell Insurance | 7083 Members Pkwy #109 | (254) 774-5181 |
| 6 | ALPA Insurance | 1420 S 31st St | (254) 295-9400 |
| 7 | John R Farwell - State Farm Insurance Agent | 3604 SW H K Dodgen Loop #100 | (254) 778-1333 |
| 8 | Winkler Insurance Agency | 1102 W Adams Ave # B | (254) 771-5600 |
| 9 | Farmers Insurance - Ronnie Gaines | 1005 Marlandwood Rd Ste 106 | (254) 773-8866 |
| 10 | Acrisure Temple, TX (The David Nix Agency) | 2526 Blue Meadow Dr | (254) 770-3355 |
Shaffin Wegener - State Farm Insurance Agent serves Temple, Texas, and the surrounding Bell County area as an umbrella insurance agency. This agency provides personal and commercial umbrella policies that extend liability coverage beyond the limits of standard homeowners or auto insurance. For individuals and businesses, these policies offer crucial extra financial protection against major claims or lawsuits. The agent handles risk assessment and policy customization for local residents and companies, specializing in high-asset protection and excess liability solutions.
Maxwell Financial Group: Allstate Insurance provides a range of umbrella insurance agent services in Temple, TX. It offers liability coverage that extends beyond standard policy limits, helping to protect personal assets from major claims or lawsuits. Service plans for policies include annual policy reviews and recommendations for appropriate coverage adjustments based on changing needs. The agency assists with risk assessments to help clients understand potential exposure. It services single-family homes, apartments, retail establishments, and restaurants.
Pronto Insurance serves homeowners, businesses, and property managers in Temple, Texas, by helping them secure umbrella liability coverage that extends beyond standard policy limits. This local agency assists clients in protecting their assets against major claims and lawsuits that could otherwise exceed primary insurance. The specialists evaluate individual risk exposure and recommend appropriate policy increments for added financial safety. Their guidance covers the extra layer of security needed by property owners and commercial operators throughout the Temple area. Pronto Insurance also serves surrounding communities in the broader Bell County region.
Serving Temple, Texas, and the surrounding communities, AllAbout Insurance provides umbrella insurance agent services for clients seeking additional liability protection. The agency helps individuals and local businesses secure coverage that extends beyond standard policy limits. It addresses common needs such as shielding assets from major claims or lawsuits. To handle a typical job, the company assesses a client’s existing policies and risk exposure, then recommends an umbrella policy customized to provide broader coverage and increased financial security.
Texell Insurance, located in Temple, TX, offers both one-time and scheduled service options for customers seeking umbrella insurance coverage, which provides additional liability protection beyond standard home and auto policies. This extra layer helps guard against major claims and lawsuits in the local area. Prospective clients can choose between a single policy purchase or establishing a recurring review schedule to adjust coverage as needs change. Service is available on a scheduled or as-needed basis, allowing for flexible support depending on individual circumstances.
ALPA Insurance offers general coverage needs in Temple, Texas, with a specialty in Umbrella Insurance for added liability protection beyond standard policies. This extra layer assists both individuals and businesses in managing significant financial exposure from unexpected claims. The company provides professional guidance on policy limits tailored to various operational risks. Its umbrella solutions serve commercial sectors including local offices, warehouses, and food service operations throughout the Temple area.
John R Farwell - State Farm Insurance Agent in Temple, TX specializes in umbrella insurance policies designed to provide additional liability coverage beyond standard home and auto limits. The agency also offers general insurance services, helping clients assess their overall risk exposure and secure appropriate protection for their assets. As a local resource, it assists residents in evaluating how umbrella coverage can safeguard against unexpected claims or lawsuits. This is especially useful during storm season, when increased property and vehicle claims heighten the need for extended liability coverage.
When hailstorms sweep through Temple, unexpected vehicle or property damage can increase personal liability. Winkler Insurance Agency helps local residents manage that exposure by structuring supplemental umbrella policies that extend standard coverage limits. Their agents review existing homeowners and auto policies to identify potential gaps caused by weather-related claims. Client needs are assessed through straightforward conversations about vacation homes, recreational vehicles, or rental properties. Every new inquiry begins with an initial consultation where current coverage levels and lifestyle risks are examined during a brief fact-finding interview.
Farmers Insurance - Ronnie Gaines in Temple, TX, provides general insurance services to individuals and businesses. Umbrella insurance add-ons extend liability coverage beyond standard policy limits, offering extra financial protection against large claims or lawsuits. These policies can cover a range of situations including property damage, bodily injury, and personal liability incidents. The agency serves various commercial sectors such as offices, warehouses, and food service operations, helping them secure additional risk management layers.
What Does an a Umbrella Insurance Agent in Temple Cost?
The cost of umbrella insurance in Texas typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 million dollars may cost 250 to 600 dollars annually. Factors like your driving record, home value, and number of properties affect the premium. This is general information and not insurance advice. Always consult a licensed agent for a personalized quote.
About umbrella insurance agents in Temple
An umbrella insurance agent in Temple Texas helps you secure additional liability coverage that goes beyond the limits of your auto or homeowners policy. Texas law does not require umbrella insurance, but it can protect your savings and future earnings if you face a large lawsuit. Local agents understand the risks specific to Central Texas, such as weather-related claims and high-traffic areas like I-35.
Frequently Asked Questions
What does an umbrella insurance agent in Temple do?
An umbrella insurance agent helps you find a policy that provides extra liability coverage above your existing home and auto limits. In Texas, umbrella policies typically start at 1 million dollars in coverage. The agent will review your assets and risk factors to recommend an appropriate amount.
How much umbrella coverage do I need in Texas?
The amount of umbrella coverage you need depends on your assets and income. Many Texas agents recommend at least 1 million dollars in coverage if you own a home or have significant savings. Higher limits like 2 to 5 million dollars may be wise for business owners or those with rental properties.
Can I get umbrella insurance if I have a pool or a dog in Temple?
Yes, but these factors may affect your premium. Texas agents will ask about pools, trampolines, and dog breeds because they increase liability risk. Most insurers will still offer umbrella coverage, but they may require you to have minimum underlying limits on your homeowners policy first.
Umbrella Insurance Agents in Other Texas Cities
Abilene · Allen · Alvin · Amarillo · Arlington · Austin · Balch Springs · Baytown · Beaumont · Bedford · Belton · Brownsville · Bryan · Burleson · Carrollton