The top-rated umbrella insurance agent in Cottonwood Heights, Utah is Cottonwood Insurance Inc., rated 4.9 stars across 692 reviews. Other highly rated options include Lance Paulson Insurance Agency, Inc. American Family Insurance, Tony Evans at Comparion Insurance Agency, David Johnson at Comparion Insurance Agency. This directory lists 15 umbrella insurance agents serving Cottonwood Heights.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cottonwood Insurance Inc. | 2028 Fort Union Blvd | (801) 943-5700 |
| 2 | Lance Paulson Insurance Agency, Inc. American Family Insurance | 2751 Fort Union Blvd | (801) 878-6300 |
| 3 | Tony Evans at Comparion Insurance Agency | 6965 S Union Park Center Suite 270 | (801) 849-2304 |
| 4 | David Johnson at Comparion Insurance Agency | 6965 S Union Park Center Suite 270 | (801) 849-2308 |
| 5 | Comparion Insurance Agency | 6965 S Union Park Center Suite 270 | (801) 685-0515 |
| 6 | Farmers Insurance - David Kim | 2044 East Fort Union Blvd | (801) 944-9600 |
| 7 | Insurance Concepts Inc | 1770 Fort Union Blvd #100 | (801) 942-0412 |
| 8 | Raul Perez at Comparion Insurance Agency | 6965 S Union Park Center Suite 270 | (801) 217-5468 |
| 9 | Ben Bagley Insurance Agency | 2028 Fort Union Blvd #150 | (801) 943-5700 |
| 10 | Evergreen Insurance Group | 7351 Union Park Ave #125 | (801) 980-2381 |
Cottonwood Insurance Inc. serves the Salt Lake County area from its base in Cottonwood Heights, Utah, offering specialized umbrella insurance agent services. This company helps local residents and businesses assess their liability risks and select appropriate excess liability coverage. By working with multiple carriers, the agent can compare options to extend protection beyond standard auto and homeowners policies. The firm regularly provides guidance on safeguarding assets from major claims and lawsuits. Its handled services include coordinating extended personal liability coverage and commercial umbrella policies for area clients.
When the heavy snowmelt in Cottonwood Heights raises the risk of a liability claim from a slip on an icy walkway, many homeowners seek added protection. Lance Paulson Insurance Agency, Inc. American Family Insurance provides umbrella coverage that extends beyond standard policy limits. This agent works to match each client with a policy tailored to the local terrain and common property hazards. The process typically starts with a review of existing auto and home policies to determine the appropriate level of extra coverage. A quick, no-obligation initial assessment can clarify potential gaps.
Homeowners, businesses, and property managers in Cottonwood Heights, UT, turn to Tony Evans at Comparion Insurance Agency for umbrella liability coverage that extends protection beyond standard policies. This agency helps clients safeguard assets against major claims or lawsuits by offering higher policy limits. The tailored coverage addresses financial risks unique to property owners and local enterprises in the area. The agency also services clients across the greater Salt Lake City metro, including nearby communities like Holladay and Murray.
Serving Cottonwood Heights and the surrounding Salt Lake Valley communities, David Johnson at Comparion Insurance Agency handles umbrella insurance policies designed to extend liability coverage beyond standard home and auto limits. These policies provide an additional layer of financial protection against major claims and lawsuits that could otherwise threaten personal assets. Using a clear consultation process, the agent reviews an individual’s existing coverage to identify potential exposure gaps and recommends an appropriate policy to bridge those needs. This method ensures clients understand their expanded protection before any paperwork begins.
Comparion Insurance Agency provides umbrella insurance agent services to clients in Cottonwood Heights, UT, offering additional liability coverage that extends beyond standard home and auto policies. It helps customers protect their assets by securing higher policy limits and broader protection. Its service includes reviewing existing coverage to identify gaps and tailoring policy options to meet individual needs. It services single-family homes, apartments, retail locations, and restaurants.
Farmers Insurance - David Kim in Cottonwood Heights, UT offers umbrella insurance on either a one-time policy setup or as a scheduled annual renewal for ongoing liability protection. As an umbrella insurance agent, the agency provides coverage that extends beyond standard home and auto policy limits, safeguarding assets against major claims. This type of policy addresses gaps in existing coverage for incidents such as severe accidents or property damage. All services run on a scheduled, annual renewal basis to maintain continuous protection.
Insurance Concepts Inc in Cottonwood Heights, UT specializes in umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. It also helps clients protect personal assets such as savings and future earnings from major lawsuits or accidental claims. The agency serves local homeowners, drivers, and property owners who seek broader financial protection. This service is especially valuable during the winter months, when snow removal accidents or slip-and-fall incidents on icy walkways can lead to unexpected liability costs.
As snow and ice give way to spring runoff in Cottonwood Heights, homeowners often re-evaluate their liability exposure, especially on sloped lots prone to drainage issues. Raul Perez at Comparion Insurance Agency provides umbrella coverage to augment standard homeowners and auto policies, addressing gaps left by basic limits. This includes protection against claims arising from dog bites, trampoline accidents, or snowblower mishaps on driveways. A typical first step is a property walk-around to photograph existing drainage and walkway conditions, which informs the initial risk-assessment meeting.
Ben Bagley Insurance Agency provides general insurance services to clients in Cottonwood Heights, Utah, specializing in umbrella insurance policies that extend liability coverage beyond standard home and auto limits. This added layer of protection helps safeguard personal assets against major claims or lawsuits. The agency assists a variety of commercial sectors in managing risk, including offices, warehouses, and food service establishments.
Evergreen Insurance Group serves residential clients in Cottonwood Heights, Utah, offering umbrella policies that provide additional liability protection beyond standard home insurance. For commercial accounts, the agency delivers similar extended coverage, helping businesses manage larger risks with higher policy limits. Their services reach throughout the local area and surrounding communities. After an initial policy is placed, clients often return for annual reviews or when property changes occur, ensuring coverage remains appropriate between regular scheduled updates.
What Does an a Umbrella Insurance Agent in Cottonwood Heights Cost?
The cost of umbrella insurance in Utah typically ranges from 150 to 400 per year for 1 million in coverage. Higher limits of 2 to 5 million can cost 300 to 800 per year. Premiums vary based on your driving record, number of properties, and number of vehicles. This is general information and not insurance advice. Always consult a licensed agent for a personalized quote.
About umbrella insurance agents in Cottonwood Heights
Umbrella insurance agents in Cottonwood Heights Utah help clients secure additional liability coverage that goes beyond the limits of home and auto policies. Utah law requires minimum auto liability coverage of 25,000 per person and 65,000 per accident, but an umbrella policy can provide 1 million or more in extra protection. Local agents understand the unique risks in the Salt Lake Valley, including winter driving hazards and high property values near the Wasatch Mountains.
Frequently Asked Questions
What does an umbrella insurance agent do in Cottonwood Heights?
An umbrella insurance agent helps you purchase a personal umbrella policy that provides extra liability coverage after your home or auto insurance limits are used up. The agent reviews your assets and risks to recommend an appropriate coverage amount. They also help you file claims if a lawsuit or accident exceeds your primary policy limits.
How much umbrella coverage do I need in Utah?
Most agents recommend at least 1 million in umbrella coverage, especially if you own a home or have significant savings. Utah courts can award large judgments in personal injury cases, and umbrella policies start at 1 million. Your agent will help you decide based on your net worth and potential risks like rental properties or teenage drivers.
Can I get umbrella insurance if I do not have a home or auto policy?
No, umbrella insurance requires you to have an underlying home or auto policy with certain minimum limits. In Utah, you typically need at least 300,000 in liability on your auto policy and 300,000 on your homeowners policy before you can add umbrella coverage. Your agent can help you adjust your existing policies to meet these requirements.
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