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Find Umbrella Insurance Agents Near You in Lynchburg, VA

Browse umbrella insurance agents serving Lynchburg, Virginia. Updated 2026-07-14.

The top-rated umbrella insurance agent in Lynchburg, Virginia is Mallori Teegarden - State Farm Insurance Agent, rated 4.9 stars across 224 reviews. Other highly rated options include Cothran Schoonover Insurance, Chip Harvey - State Farm Insurance Agent, Hedges Insurance Agency LLC. This directory lists 19 umbrella insurance agents serving Lynchburg.

Showing 19 umbrella insurance agents in Lynchburg, VAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Mallori Teegarden - State Farm Insurance Agent114 Tradewynd Dr ste a(434) 528-1234
2Cothran Schoonover Insurance7212 Timberlake Rd(434) 239-2886
3Chip Harvey - State Farm Insurance Agent21009 Timberlake Rd(434) 237-2975
4Hedges Insurance Agency LLC22491 Timberlake Rd(434) 237-2021
5Insurance Consultants of Lynchburg22174 Timberlake Rd m(434) 237-5926
6Nelles Insurance Solutions101 Duncraig Dr UNIT 108(434) 832-0332
7Parr Insurance Services- Lynchburg2154-B Wards Rd(434) 528-8100
8Leech & Hicks, Inc. Insurance2504 Langhorne Rd(434) 528-5855
9Parker, Shelton & Associates Inc. - Insurance Agency25 Greystone Dr Ste 7(434) 239-6936
10Taylor Insurance Agencies1840 Graves Mill Rd(434) 385-1664
MT
114 Tradewynd Dr ste a
Mallori Teegarden - State Farm Insurance Agent
Umbrella Insurance Agent · Lynchburg, VA

Mallori Teegarden - State Farm Insurance Agent serves the Lynchburg, Virginia area, offering professional umbrella insurance services to local residents and businesses. This agency helps clients secure additional liability coverage beyond standard policies, which is especially valuable for those needing extra protection against major claims or lawsuits. Umbrella insurance can cover medical expenses, legal fees, and property damage costs that exceed usual limits. Working with clients to assess risk exposure and adjust coverage accordingly forms the core of their work here. The agency handles policy consultations and claims support for this specialty insurance.

CS
7212 Timberlake Rd
Cothran Schoonover Insurance
Umbrella Insurance Agent · Lynchburg, VA

Cothran Schoonover Insurance, serving the Lynchburg, VA area, provides umbrella insurance agency services that offer additional liability coverage beyond standard policies. The agency helps clients secure protection for assets and future earnings. Its service approach involves assessing individual risk exposure to recommend appropriate policy limits for comprehensive coverage. Routine consultations are available to review and adjust plans as needs change. The agency serves homeowners of single-family homes, as well as owners of apartment complexes, retail spaces, and restaurants.

CH
21009 Timberlake Rd
Chip Harvey - State Farm Insurance Agent
Umbrella Insurance Agent · Lynchburg, VA

Chip Harvey - State Farm Insurance Agent serves homeowners, businesses, and property managers in Lynchburg, Virginia, looking for umbrella insurance policies. This type of coverage provides an extra layer of liability protection beyond standard home or auto policies, helping to safeguard assets against major claims. The agent assists clients in assessing their personal risk exposure and determines suitable policy limits for their needs. Service areas also extend into the nearby community of Forest and other parts of the greater Lynchburg metro region.

HI
22491 Timberlake Rd
Hedges Insurance Agency LLC
Umbrella Insurance Agent · Lynchburg, VA

Serving Lynchburg and the surrounding communities of Central Virginia, Hedges Insurance Agency LLC works as an umbrella insurance agent. It handles the specialized task of securing additional liability coverage that extends beyond the limits of standard homeowners, auto, or watercraft policies. This extra layer of protection helps clients manage significant financial risks from major claims or lawsuits, safeguarding personal assets. The agency typically approaches each job by evaluating the client’s existing coverage gaps and unique liability exposures to recommend an appropriate umbrella policy limit.

IC
22174 Timberlake Rd m
Insurance Consultants of Lynchburg
Umbrella Insurance Agent · Lynchburg, VA

Insurance Consultants of Lynchburg provides specialized umbrella insurance coverage designed to protect clients from major claims and lawsuits that exceed standard policy limits. The agency also assists local homeowners, drivers, and business owners with broader liability planning tailored to the Lynchburg area. With extra layers of personal and commercial liability protection, it helps safeguard assets accumulated over a lifetime. As severe storms and seasonal ice frequently affect the region, the company advises clients on adjusting their umbrella coverage to mitigate risks from weather-related accidents and property damage.

NI
101 Duncraig Dr UNIT 108
Nelles Insurance Solutions
Umbrella Insurance Agent · Lynchburg, VA

Nelles Insurance Solutions in Lynchburg, VA provides umbrella insurance coverage on either a one-time basis for individual policy needs or recurring service for ongoing liability protection beyond standard limits. This additional layer of coverage helps protect assets and future income from major claims. By extending over underlying home and auto policies, it offers broader legal defense and settlement support. Service in the Lynchburg area runs on a one-time, scheduled, or strictly as-needed basis depending on the client's circumstances.

PI
2154-B Wards Rd
Parr Insurance Services- Lynchburg
Umbrella Insurance Agent · Lynchburg, VA

As the seasons change in central Virginia, homeowners in the Lynchburg area often explore ways to protect their assets against unforeseen liabilities. Parr Insurance Services- Lynchburg provides umbrella insurance, which extends additional coverage beyond standard auto and home policies. This extra layer of protection can be crucial for residents with substantial property or higher financial exposure. The company focuses on helping clients assess their personal risk profile and policy gaps. A typical initial step involves a comprehensive review of existing insurance to recommend an appropriate level of supplementary liability coverage.

LH
2504 Langhorne Rd
Leech & Hicks, Inc. Insurance
Umbrella Insurance Agent · Lynchburg, VA

Leech & Hicks, Inc. Insurance provides umbrella insurance solutions for clients in the Lynchburg, VA area. It specializes in adding excess liability coverage that extends beyond standard policy limits to protect against major claims. The agency works with individuals and commercial enterprises requiring broad financial safeguards for unforeseen events. Its services can be applied to various business sectors, including offices of professional firms, warehouses for storage and distribution, and food service operations such as restaurants and catering facilities.

PS
25 Greystone Dr Ste 7
Parker, Shelton & Associates Inc. - Insurance Agency
Umbrella Insurance Agent · Lynchburg, VA

Parker, Shelton & Associates Inc. - Insurance Agency serves the Lynchburg, VA area and is known for offering umbrella insurance policies that provide extended liability coverage beyond standard auto or homeowners limits. Their services typically protect clients from major claims and lawsuits that exceed underlying policy caps. These policies are designed for local property owners and professionals who desire broader financial safeguards. As a specialty service, the agency can also assist clients in evaluating personal liability risks to determine appropriate coverage levels.

TI
1840 Graves Mill Rd
Taylor Insurance Agencies
Umbrella Insurance Agent · Lynchburg, VA
AI
7708 Timberlake Rd
Adams Insurance Agency Inc.
Umbrella Insurance Agent · Lynchburg, VA
(434) 455-4333
adamsinsuranceinc.com
CI
801 Main St
Campbell Insurance
Umbrella Insurance Agent · Lynchburg, VA
(434) 847-5541
campbellins.com
MS
2525 Rivermont Ave
Mid-State Insurance Agency
Umbrella Insurance Agent · Lynchburg, VA
(434) 528-1001
erieinsurance.com/agencies/va/lynchburg/dd2297
SI
6010 Fort Ave
Succor Insurance Lynchburg
Umbrella Insurance Agent · Lynchburg, VA
(304) 254-6814
BI
2420 Langhorne Rd
Bost Insurance
Umbrella Insurance Agent · Lynchburg, VA
(434) 846-3274
progressiveagent.com/agents/Virginia/Lynchburg/bost-insurance
PC
105 Tradewynd Dr
Pure Cover Insurance Agency
Umbrella Insurance Agent · Lynchburg, VA
(434) 922-1665
agents.allstate.com/usa/va/lynchburg
TI
20190 Timberlake Rd Suite A
Timberlake Insurance Agency Inc
Umbrella Insurance Agent · Lynchburg, VA
(434) 237-6503
lynchburginsurance.com
GI
3723 Old Forest Rd
Gardner Insurance Solutions, LLC
Umbrella Insurance Agent · Lynchburg, VA
(434) 316-5433
jmgardnerinsurance.com
FI
4849 Fort Ave
Farmers Insurance Group - The Mann Agency Lynchburg
Umbrella Insurance Agent · Lynchburg, VA
(434) 237-4401
agents.farmers.com/va/lynchburg/william-caleb-mann

What Does an a Umbrella Insurance Agent in Lynchburg Cost?

Typical costs for a one million dollar umbrella insurance policy in Virginia range from 150 to 300 dollars per year. Factors that affect the premium include your driving record home value and number of properties. Higher coverage limits like two million dollars may cost 250 to 500 dollars per year. This is general information and not insurance advice.

About umbrella insurance agents in Lynchburg

An umbrella insurance agent in Lynchburg Virginia helps you obtain personal liability coverage that extends beyond the limits of your auto and homeowners policies. Virginia law does not require umbrella insurance but it provides important protection against lawsuits and large claims. Local agents can explain how this coverage interacts with Virginia insurance regulations and your existing policies.

Frequently Asked Questions

What does an umbrella insurance agent in Lynchburg do?

An umbrella insurance agent in Lynchburg helps you purchase a personal umbrella liability policy. This policy provides extra coverage after your auto or home insurance limits are exhausted. The agent assesses your assets and risk to recommend an appropriate coverage amount.

How much umbrella insurance do I need in Virginia?

Most Virginia agents recommend at least one million dollars in umbrella coverage. The amount you need depends on your assets income and potential liability risks. Your agent can help you calculate a suitable limit based on your personal situation.

Does Virginia law affect umbrella insurance policies?

Virginia insurance law regulates umbrella policies as excess liability coverage. Virginia Code Section 38.2-118 addresses surplus lines insurance which may apply to some umbrella policies. Your agent must follow Virginia licensing and disclosure requirements when selling these policies.

Umbrella Insurance Agents in Other Virginia Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.