The top-rated umbrella insurance agent in Waxahachie, Texas is Adam Rope - State Farm Insurance Agent, rated 4.9 stars across 619 reviews. Other highly rated options include Farmers Insurance - Daniel Jones, Reyes Insurance Services, Phillips Insurance. This directory lists 19 umbrella insurance agents serving Waxahachie.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Adam Rope - State Farm Insurance Agent | 1314 US-287 UNIT 100 | (972) 938-3232 |
| 2 | Farmers Insurance - Daniel Jones | 114 Park Pl Ct Ste 202 | (972) 351-0042 |
| 3 | Reyes Insurance Services | 507 Ferris Ave | (972) 351-9977 |
| 4 | Phillips Insurance | 116 N College St Ste F | (972) 937-4481 |
| 5 | State Farm: Kip Fedora | 903 Ferris Ave | (972) 938-1422 |
| 6 | Farmers Insurance - Stephen McMullin | 2693 N Hwy 77 Ste 2102 | (972) 935-9888 |
| 7 | Cooper Insures | 115 N Hwy 77 | (972) 938-9700 |
| 8 | Farmers Insurance - Christopher Bearden | 503 Ferris Ave Ste D | (817) 654-9208 |
| 9 | Carrington Insurance Agency | 2693 North Highway 77 1106, SUITE 1106 | (972) 937-9900 |
| 10 | PAC Insurance Agency | 2693 N Hwy 77 #1106 | (972) 937-9900 |
Adam Rope - State Farm Insurance Agent in Waxahachie, Texas, specializes in umbrella insurance policies that extend extra liability coverage beyond standard home and auto limits. It also handles general insurance services for residents and businesses, helping to protect against common financial risks. Facing the heavy spring storms and occasional hailstorms common to North Texas, this agency can assist in ensuring a client’s existing coverage gaps are filled before severe weather season arrives.
Farmers Insurance - Daniel Jones serves Ellis County and the surrounding communities from Waxahachie, Texas. As an umbrella insurance agent, the company provides additional liability coverage that extends beyond the limits of standard home and auto policies. This service helps protect clients from major claims and lawsuits that could otherwise threaten personal assets. The agency also handles general homeowners insurance and auto insurance in the Waxahachie area.
Reyes Insurance Services in Waxahachie, Texas, offers comprehensive umbrella insurance agent services, providing clients with extra liability coverage that extends beyond the limits of standard home and auto policies. Its service approach includes personalized policy evaluations to help clients assess their unique risk exposures and determine appropriate coverage levels. Maintenance plans involve regular policy reviews and updates as lifestyles or assets change, ensuring ongoing protection. The company services a variety of properties, including single-family homes, apartments, retail establishments, and restaurants.
Phillips Insurance serves Waxahachie and the surrounding communities of Ellis County, handling professional liability coverage through umbrella insurance policies. These policies provide additional layers of liability protection that extend beyond the limits of standard home and auto insurance. The company carefully reviews each client's existing underlying policies for vulnerable coverage gaps. It then determines how an umbrella policy can bridge those gaps and offers the client a clear explanation of that tailored solution. Phillips Insurance follows a straightforward approach, analyzing individual risk exposure before recommending a specific coverage amount.
Homeowners, businesses, and property managers in Waxahachie, Texas turn to State Farm: Kip Fedora for umbrella insurance coverage that extends liability protection beyond standard policy limits. This agent helps clients safeguard assets from major claims or lawsuits by offering an extra layer of financial security. The agency works with individuals and commercial operators to assess personal risk and tailor adequate excess liability limits. In addition to serving all of Waxahachie, Kip Fedora also covers the nearby community of Midlothian for its umbrella insurance needs.
Farmers Insurance - Stephen McMullin in Waxahachie, TX offers umbrella insurance as a separate ongoing policy that extends liability coverage above standard home and auto limits, rather than as a one-time service. This added layer protects assets from large claims or lawsuits, responding when underlying policies are exhausted. Service is provided on a scheduled, policy-renewal basis, with an as-needed option for additional coverage reviews or adjustments after major life changes.
Cooper Insures provides specialty umbrella liability coverage designed to add an extra layer of protection beyond standard home and auto policies. The Waxahachie, Texas agency works with local clients to assess their personal assets and future exposure, then pairs them with suitable high-limit policies from established carriers. They guide individuals through various limit options, offering insurance for many common liability gaps. With increasing property values and the frequent hailstorms in the region, this agent helps residents safeguard their financial security against sizable claims.
With the spring storm season common in Ellis County, residents seek protection for their vehicles and property against unexpected hail and wind damage. Farmers Insurance - Christopher Bearden in Waxahachie fills this need by offering umbrella liability insurance that extends coverage beyond standard auto or home policies. Their agents explain how an umbrella policy can safeguard accumulated assets from costly lawsuits. An initial assessment begins with a free consultation to review existing policies and recommend appropriate additional coverage.
What Does an a Umbrella Insurance Agent in Waxahachie Cost?
Umbrella insurance in Texas typically costs 150 to 300 dollars per year for 1 million dollars in coverage. Higher limits may cost 300 to 600 dollars annually. Costs vary based on your risk profile, number of vehicles, and driving history. This is general information and not insurance advice.
About umbrella insurance agents in Waxahachie
An umbrella insurance agent in Waxahachie Texas helps you obtain extra liability coverage that goes beyond your auto or homeowners policy limits. Texas law allows for high jury awards in personal injury cases, making umbrella insurance a wise choice for property owners and professionals. Local agents can tailor a policy to fit your specific risks and budget.
Frequently Asked Questions
What does an umbrella insurance agent in Waxahachie do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides coverage above your existing auto and home insurance limits. They assess your assets and risks to recommend an appropriate coverage amount. This is especially useful in Texas where lawsuits can result in large settlements.
How much umbrella insurance do I need in Texas?
Most Texas agents recommend at least 1 million dollars in umbrella coverage if you own a home or have significant savings. Higher limits of 2 to 5 million dollars may be needed for high net worth individuals or those with rental properties. Your agent can help calculate the right amount based on your assets.
Is umbrella insurance required by Texas law?
No, Texas law does not require umbrella insurance. However it is strongly advised for anyone with assets to protect. Texas courts can award damages exceeding standard policy limits, so umbrella coverage provides an extra layer of financial security.
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