The top-rated umbrella insurance agent in Layton, Utah is Stratford Insurance Group, rated 4.9 stars across 782 reviews. Other highly rated options include Jason Oyler - State Farm Insurance Agent, Mountain Ridge Insurance Group, Farm Bureau Financial Services: Jordan Spicer. This directory lists 16 umbrella insurance agents serving Layton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stratford Insurance Group | 2307 N Hill Field Rd STE 103 | (801) 784-4938 |
| 2 | Jason Oyler - State Farm Insurance Agent | 1398 N Hill Field Rd | (801) 546-6108 |
| 3 | Mountain Ridge Insurance Group | 393 W Gordon Ave Suite 1 | (801) 820-6402 |
| 4 | Farm Bureau Financial Services: Jordan Spicer | 1528 Woodland Park Dr Ste 10 | (385) 393-2747 |
| 5 | Weston Insurance Agency | 1834 E 3100 N suite 101 | (801) 513-9513 |
| 6 | Kevin Bell - Farm Bureau Financial Services | 1010 N Hill Field Rd Suite 200 | (385) 393-2750 |
| 7 | C and C Insurance | 2182 N Hill Field Rd Ste 1 | (801) 774-0704 |
| 8 | Taylor and Walker Insurance Group | 1992 Antelope Dr #110 | (801) 773-7327 |
| 9 | Farmers Insurance - Dixon Reisbeck | 230 N Main St | (801) 544-4279 |
| 10 | Secured Pillar Insurance LLC | 401 W 2000 N | (801) 997-8116 |
Stratford Insurance Group serves Layton, Utah, and Davis County as an umbrella insurance agent. It provides excess liability coverage that extends above the limits of standard home and auto policies. This protection safeguards personal assets against costly lawsuits or large claims. The agency helps clients secure additional coverage for property damage and bodily injury liability. Its services include evaluating risk exposure for high-net-worth individuals and recommending appropriate policy limits for greater financial security. It handles personal umbrella policies and excess liability for renters and homeowners.
Jason Oyler’s agency in Layton, UT, provides umbrella insurance coverage to extend liability protection beyond standard home, auto, and recreational policies. Its service plans include personalized risk assessments to help clients determine adequate coverage limits for their personal assets. Regular policy reviews ensure that limits stay appropriate as circumstances change. The firm also advises on how umbrella policies coordinate with existing underlying insurance, reducing potential gaps in overall protection. The agency serves a variety of properties, including single-family homes, apartments, retail locations, and restaurants.
Homeowners, businesses, and property managers in Layton, Utah rely on Mountain Ridge Insurance Group for umbrella insurance policies that extend liability coverage beyond standard home and auto limits. These policies provide an added layer of financial protection against major claims or lawsuits. The agency works with clients to assess their individual risk profiles and secure appropriate umbrella coverage. Mountain Ridge Insurance Group also offers its insurance agent services to residents and business owners throughout surrounding Davis County communities such as Clearfield and Syracuse.
Serving Layton, Utah, and the surrounding communities, Farm Bureau Financial Services: Jordan Spicer handles umbrella insurance coverage that extends liability protection beyond standard auto and home policies. This agent addresses the financial risks clients face from major claims or lawsuits. Typical work begins by reviewing a client’s existing assets and policies. It then identifies gaps in liability coverage that an umbrella policy can fill. The agent completes each job by carefully customizing the policy limits to match the individual risk profile and personal exposure of the client.
Weston Insurance Agency in Layton, UT offers both one-time quotes and scheduled policy reviews for umbrella coverage, which extends liability protection beyond standard home and auto policies. This additional coverage helps safeguard assets against major claims and lawsuits unique to this region. The agency’s service runs on a one-time, scheduled, or as-needed basis depending on each client’s changing risk profile and life events.
Kevin Bell - Farm Bureau Financial Services in Layton, UT, provides umbrella insurance agent services that extend liability protection beyond standard policy limits. The company generally assists clients in the area with assessing their personal and vehicular liability exposure to build additional coverage layers. Such policies help safeguard assets like homes and savings from large lawsuit claims. During the spring and summer months, the agent frequently helps homeowners address elevated risks tied to swimming pools, trampolines, or other attractive nuisances on the property.
When the spring snowmelt raises flood risks across Layton’s bench areas, homeowners need swift liability protection from their umbrella policies. C and C Insurance focuses on matching general coverage gaps with the broader limits that umbrella insurance agents supply for the local terrain near the Great Salt Lake. Their process addresses the higher accident exposure from the growing city population seeking extra financial security. An agent reviews a current home and auto policy to identify any needed adjustments before an umbrella application proceeds.
Taylor and Walker Insurance Group operates in Layton, UT, focusing on personal and commercial risk management. As an umbrella insurance agent, the company supplements primary liability policies with higher coverage limits for catastrophic claims, safeguarding assets such as homes and vehicles. This role protects individuals and businesses from lawsuits exceeding their standard insurance limits. For commercial clients, the agency can extend these additional liability layers to offices, warehouses, and food service operations, ensuring broad protection against significant financial losses in these specific sectors.
Farmers Insurance - Dixon Reisbeck provides residential umbrella insurance services in Layton, Utah, covering homeowners who seek additional liability protection beyond standard policies. The agency also extends commercial umbrella coverage to local businesses, offering a broader safety net for various professional and property risks throughout the Layton area. Clients can expect continued support for policy adjustments as their circumstances evolve. After establishing coverage, the agency typically follows up between regular visits to review any changes in assets or liability exposure, ensuring ongoing coverage remains appropriate.
Secured Pillar Insurance LLC, based in Layton, UT, is known for providing umbrella insurance agent services to local residents and businesses seeking additional liability coverage beyond standard policies. This firm assists clients in assessing their risk exposure and securing extra protection that can help safeguard assets in the event of a major claim or lawsuit. For those with specific needs, the company can add on specialty coverage for high-risk recreation activities often popular in the surrounding mountain and lake areas.
What Does an a Umbrella Insurance Agent in Layton Cost?
In Utah, a $1 million umbrella insurance policy typically costs between $150 and $300 per year. Higher limits, such as $2 million or $5 million, may cost $300 to $600 annually. Actual premiums depend on your risk profile, number of vehicles, and property value. This is general information and not insurance advice.
About umbrella insurance agents in Layton
Umbrella insurance agents in Layton, Utah help clients secure extra liability coverage that kicks in after standard auto or home policies are exhausted. Utah law requires minimum auto liability limits of 25/65/15, but umbrella policies often start at $1 million in coverage. Local agents can tailor policies to protect against lawsuits common in Utahs growing community.
Frequently Asked Questions
What does an umbrella insurance agent in Layton do?
An umbrella insurance agent helps you purchase a personal liability policy that provides coverage above your existing auto and homeowners limits. They assess your assets and risk factors to recommend an appropriate coverage amount. In Utah, this is especially useful for homeowners with swimming pools or rental properties.
How much umbrella coverage do Layton residents typically need?
Most agents recommend at least $1 million in umbrella coverage, with higher amounts for those with significant assets or high-risk activities. Utahs legal environment means a serious accident or injury lawsuit could easily exceed standard policy limits. Your agent can help you evaluate your specific needs.
Is umbrella insurance required by law in Utah?
No, umbrella insurance is not required by Utah law. However, it is strongly advised for anyone with assets to protect. Utahs minimum auto liability limits are relatively low, so an umbrella policy provides a critical safety net against large claims.
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