The top-rated umbrella insurance agent in Portsmouth, Virginia is Beth Holland - State Farm Insurance Agent, rated 5.0 stars across 670 reviews. Other highly rated options include Rachel Bailey - State Farm Insurance Agent, Nationwide Insurance: Coppedge Insurance Agency Inc., Direct Auto Insurance. This directory lists 13 umbrella insurance agents serving Portsmouth.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Beth Holland - State Farm Insurance Agent | 5907 W Norfolk Rd # 101 | (757) 483-2444 |
| 2 | Rachel Bailey - State Farm Insurance Agent | 355 Crawford St Ste 106 | (757) 337-4265 |
| 3 | Nationwide Insurance: Coppedge Insurance Agency Inc. | 4405 Portsmouth Blvd | (757) 405-3079 |
| 4 | Direct Auto Insurance | 2552 Airline Blvd | (757) 405-0202 |
| 5 | Tracey Vinson - State Farm Insurance Agent | 3900 Greenway Ct N | (757) 399-7595 |
| 6 | Heritage Insurance Agency | 3706 Winchester Dr Ste 100 | (757) 399-7951 |
| 7 | Willis Roberts: Allstate Insurance | 6111 Portsmouth Blvd | (757) 204-3221 |
| 8 | Members Assurance Property & Casualty | 1040 University Blvd #102 | (757) 523-5352 |
| 9 | Serenty insurance agency Portsmouth | 5731 Portsmouth Blvd | (276) 444-9328 |
| 10 | Atlantic Charter Insurance Group | 5599 Portsmouth Blvd | (757) 488-0082 |
Beth Holland - State Farm Insurance Agent serves the Portsmouth, Virginia area as an umbrella insurance agent. This agency provides personal liability protection that extends beyond the limits of standard home and auto policies. Policyholders gain extra coverage for major claims or lawsuits. In this region, the agency assists clients in securing financial security against unexpected events. A primary specialty is offering high-limit liability coverage for added protection. The office also helps local residents understand how umbrella policies integrate with existing home or auto insurance plans.
Rachel Bailey - State Farm Insurance Agent in Portsmouth, VA, provides umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Service includes personal consultations to assess individual risk exposure and determine appropriate coverage levels. Maintenance involves periodic policy reviews to ensure limits remain adequate as circumstances change. Regular updates are offered when assets or liabilities increase. The agency services single-family homes, apartments, retail businesses, and restaurants.
Nationwide Insurance: Coppedge Insurance Agency Inc. serves homeowners, businesses, and property managers in Portsmouth, Virginia, providing umbrella insurance policies that offer extra liability coverage beyond standard home or auto limits. Their agents help clients secure broader protection against major claims, such as lawsuits or significant property damage, ensuring financial stability. The agency also extends its services to neighboring communities throughout the Hampton Roads metropolitan area.
Direct Auto Insurance in Portsmouth, Virginia, serves homeowners, businesses, and property managers who require additional liability coverage beyond standard policies. It offers umbrella insurance services that provide extra protection against major claims and lawsuits, helping clients safeguard their assets and financial future. The company assists customers in tailoring their policies to match their specific risk exposure and coverage needs. Its service area also reaches the neighboring community of Suffolk and surrounding parts of the Hampton Roads metro, expanding access for local clients.
Tracey Vinson's State Farm Insurance Agency serves Portsmouth, Virginia, and the surrounding Hampton Roads communities, handling individual and family umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. The agency assists clients in protecting their assets from major claims or lawsuits. It evaluates each customer's existing coverage and risk exposure to recommend an appropriate policy. To manage a typical job, the agent reviews current personal insurance details and discusses potential asset protection needs before issuing a personalized umbrella quote.
Heritage Insurance Agency offers both one-time and scheduled service options for umbrella insurance in Portsmouth, VA. Their coverage extends beyond standard policy limits, safeguarding personal assets and providing liability protection for unexpected events. This agency operates on a scheduled service basis, where clients can arrange regular policy reviews, or an as-needed basis for immediate coverage adjustments. Service runs on either a scheduled or as-needed basis depending on client requests and policy changes.
Willis Roberts: Allstate Insurance specializes in umbrella insurance coverage for Portsmouth residents. It assists clients in securing additional liability protection beyond standard auto and homeowners policies. The agency also works with individuals to assess their unique risk exposure and recommends suitable coverage limits. As unexpected events like severe coastal storms can lead to lawsuits or liability claims, the agency helps policyholders strengthen their financial safeguards during hurricane season and other high-risk periods.
When the coastal storm season approaches the Portsmouth area, driver liability concerns often increase due to local flood and debris risks. Members Assurance Property & Casualty offers umbrella insurance to help policyholders extend their personal liability limits beyond standard auto and homeowner policies. This added layer can protect savings and future earnings against large claims. A local agent typically reviews current coverage to assess the appropriate amount of supplemental liability protection, followed by scheduling an in-person or virtual inspection to finalize policy terms.
Serenty Insurance Agency Portsmouth provides insurance coverage in the Portsmouth, Virginia area, with a specialty add-on of umbrella insurance for clients seeking extra liability protection beyond standard policies. Umbrella insurance helps cover large claims and lawsuits that exceed primary policy limits. This agency can serve commercial sectors including offices in the city, warehouses requiring high-liability coverage for operations, and food service businesses such as restaurants needing protection from slip-and-fall incidents.
Serving Portsmouth and the surrounding Hampton Roads communities, Atlantic Charter Insurance Group provides personal umbrella insurance policies that extend liability coverage beyond standard home and auto limits. This additional layer addresses substantial claims that could otherwise threaten personal assets or future earnings. For each client, the agent typically reviews existing underlying policies to determine appropriate coverage gaps and recommends a policy threshold that aligns with the individual's asset exposure and financial goals.
What Does an a Umbrella Insurance Agent in Portsmouth Cost?
Umbrella insurance agent costs in Virginia vary by coverage amount and risk profile. A typical one million dollar policy costs between 150 and 300 dollars per year for most drivers. Higher coverage limits or multiple properties can increase the premium. Factors like your driving record, home value, and number of vehicles also affect the price. This is general information and not insurance advice.
About umbrella insurance agents in Portsmouth
Umbrella insurance agents in Portsmouth Virginia help you secure extra liability protection that goes beyond your auto and homeowners policies. Virginia law requires minimum auto liability limits but does not mandate umbrella coverage. An agent can explain how Virginia courts handle personal injury claims and why higher limits matter for Portsmouth residents living near the water or hosting guests.
Frequently Asked Questions
What does an umbrella insurance agent in Portsmouth do?
An umbrella insurance agent in Portsmouth helps you purchase a personal liability umbrella policy. This policy provides coverage above your existing auto and home insurance limits. The agent assesses your assets and risk factors to recommend an appropriate coverage amount.
How much umbrella coverage do I need in Virginia?
Most agents recommend at least one million dollars in umbrella coverage for Virginia residents. The exact amount depends on your assets, income, and potential liability risks. A Portsmouth agent can review your situation and suggest a suitable limit.
Are there Virginia-specific rules for umbrella insurance?
Virginia does not have a specific law for umbrella insurance policies. However Virginia Code Section 46.2-472 sets minimum auto liability limits of 25000 per person and 50000 per accident. Umbrella policies typically require you to carry higher underlying limits before they activate.
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