The top-rated umbrella insurance agent in Roy, Utah is Deni Mooney American Family Insurance, rated 4.5 stars across 78 reviews. Other highly rated options include Mindy Olsen American Family Insurance, Kimberly Stephens - State Farm Insurance Agent, Morse Insurance Agency. This directory lists 10 umbrella insurance agents serving Roy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Deni Mooney American Family Insurance | 6022 S 1900 W | (801) 399-0523 |
| 2 | Mindy Olsen American Family Insurance | 6022 S 1900 W | (801) 825-1707 |
| 3 | Kimberly Stephens - State Farm Insurance Agent | 4893 S 1900 W | (801) 825-7169 |
| 4 | Morse Insurance Agency | 4695 S 1900 W #8 | (801) 776-1626 |
| 5 | Ponce de Leon Insurance (now Sierra Grande Insurance) | 4655 S 1900 W #3 | (801) 317-4943 |
| 6 | Farmers Insurance - Joshua Cottle | 2050 W 5700 S | (801) 775-0424 |
| 7 | Freedom Insurance Utah | 5533 S 1900 W | (801) 773-1555 |
| 8 | Sierra Grande Insurance | 4655 S 1900 W | (801) 317-4943 |
| 9 | Farmers Insurance Andrew Miller Agency | 3588 W 4800 S B | (801) 406-6293 |
| 10 | Acrisure Roy, UT (JRI Insurance) | 5360 S 1900 W B2 | (385) 383-0155 |
Deni Mooney American Family Insurance serves Roy, Weber County, and the surrounding Utah area. As an umbrella insurance agent, the company provides liability coverage that extends beyond the limits of standard home and auto policies. This professional in Roy helps clients protect assets from major claims and lawsuits that could otherwise threaten personal savings or future earnings. Secure additional coverage by consulting with the agency about personal umbrella policies designed for local homeowners and drivers.
Mindy Olsen American Family Insurance provides umbrella insurance agent services in Roy, UT, offering coverage that extends beyond standard policy liability limits to protect clients from major claims and lawsuits. Service plans include routine policy reviews to ensure adequate coverage matches evolving asset values and risk exposures. The agency also offers guidance on integrating umbrella policies with existing home and auto insurance for comprehensive protection. It services single-family homes, apartments, retail, and restaurants.
Kimberly Stephens - State Farm Insurance Agent in Roy, Utah provides umbrella insurance to homeowners, businesses, and property managers in the area. An umbrella policy offers extra liability coverage above standard limits, helping protect assets from major claims or lawsuits. The agency guides clients in assessing their risk exposure and determining appropriate coverage levels. Its location allows it to conveniently serve residents and commercial operators across Weber County, including nearby communities such as Ogden and South Ogden.
Morse Insurance Agency serves Roy, Utah, and the surrounding communities in Weber County with umbrella insurance solutions. The agency handles personal liability coverage that extends beyond standard home and auto policy limits, offering broader protection for local residents. To manage a typical case, it begins by reviewing a client’s existing policies and identifying potential liability gaps, then carefully matching coverage options to address those specific risks. It takes a consultative approach, explaining policy terms thoroughly before recommending any additional protection.
In the Roy, UT area, the difference between one-time and recurring service through an umbrella insurance agent is that a single consultation assesses immediate policy gaps between existing liability limits, while ongoing management adjusts coverage as assets or risks evolve. This agency, currently operating as Sierra Grande Insurance, specializes in providing excess liability protection that extends beyond standard auto or homeowners policies to safeguard local clients from major financial claims. Service runs on an as-needed basis, arranged per individual request rather than a fixed schedule.
Farmers Insurance - Joshua Cottle specializes in umbrella liability insurance, providing extra coverage beyond standard auto and homeowners policies for Roy, UT residents. It offers general personal insurance services, helping clients manage risks from everyday liabilities to larger claims. As winter ice and rain create slippery parking lots and sidewalks in northern Utah, this agency assists policyholders in addressing potential lawsuit exposure from accidents on their property.
As the seasons change in northern Utah, many homeowners along the Wasatch Front review their liability coverage against unexpected claims on their property. Freedom Insurance Utah, located in Roy, helps local families assess their financial exposure and secure appropriate umbrella insurance policies that activate when primary liability limits are exhausted. Their agents evaluate each client’s current assets, including home equity and future earnings, before customizing a quoted policy. The initial step involves a detailed assessment of personal risk factors during a complimentary consultation.
Serving clients in Roy, Utah, Sierra Grande Insurance works as an umbrella insurance agent. The company specializes in offering supplemental liability coverage that extends beyond the limits of standard home and auto policies. This additional layer of protection helps safeguard personal assets against major claims and lawsuits. The firm can assist with securing policies for a range of commercial operations, including offices, warehouses, and food service businesses.
Farmers Insurance Andrew Miller Agency offers residential umbrella insurance services in Roy, Utah, providing additional liability coverage beyond standard policies. The agency also assists clients with commercial umbrella policies to protect local businesses from unforeseen claims. Serving the greater Roy area, this office helps residents and business owners evaluate their coverage limits for broad personal and professional protection. Clients often return for policy reviews between regular visits, ensuring their umbrella coverage adapts to life changes, property updates, and evolving liability risks.
Acrisure Roy, UT (JRI Insurance) is an umbrella insurance agency known for helping clients extend liability coverage beyond standard home and auto policies in the Roy area. The firm offers personalized risk management support and policy guidance for individuals and families who require additional protection. Supplemental layers from this office can cover legal fees and claims exceeding primary limits. A specialty service it can add on is coverage for personal watercraft liability.
What Does an a Umbrella Insurance Agent in Roy Cost?
The cost of an umbrella insurance policy in Utah typically ranges from 150 to 500 dollars per year for one million dollars of coverage. Factors like your driving record, number of properties, and underlying policy limits affect the premium. This is general information and not insurance advice.
About umbrella insurance agents in Roy
An umbrella insurance agent in Roy, Utah helps you secure extra liability coverage that kicks in after your auto or homeowners policy limits are exhausted. Utah law requires minimum auto liability coverage of 25/65/15, but a serious accident can easily exceed those amounts. An agent can explain how umbrella policies often cover legal defense costs and certain claims not included in underlying policies.
Frequently Asked Questions
What does an umbrella insurance agent in Roy do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides additional coverage above your existing home and auto policies. They assess your assets and risk factors to recommend an appropriate coverage limit, typically starting at one million dollars.
Do I need umbrella insurance in Utah?
You may need umbrella insurance if you have significant assets, a swimming pool, rental properties, or engage in activities that increase lawsuit risk. Utah courts can award damages that exceed standard policy limits, making umbrella coverage a practical safeguard.
How much umbrella coverage should I get in Roy?
Most agents recommend at least one million dollars in umbrella coverage, but the right amount depends on your net worth, income, and liability exposure. A local agent can review your situation and help you choose a limit that protects your financial future.
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