The top-rated umbrella insurance agent in Stafford, Virginia is Rachel Johnson - State Farm Insurance Agent, rated 5.0 stars across 273 reviews. Other highly rated options include Gary Boxley - State Farm Insurance Agent, Farmers Insurance - Patricia Grant, J. Green Insurance. This directory lists 15 umbrella insurance agents serving Stafford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rachel Johnson - State Farm Insurance Agent | 373 Garrisonville Rd #109 | (540) 628-7937 |
| 2 | Gary Boxley - State Farm Insurance Agent | 2048 Richmond Hwy # B | (703) 221-1771 |
| 3 | Farmers Insurance - Patricia Grant | 306 Garrisonville Rd Suite 303 | (540) 318-8622 |
| 4 | J. Green Insurance | 300 Garrisonville Rd Suite 302 | (540) 318-6020 |
| 5 | Michael C. Smith - State Farm Insurance Agent | 2789 Richmond Hwy Ste 109 | (540) 720-8404 |
| 6 | Chamblin Insurance LLC | Mckittrick Dr | (571) 774-8277 |
| 7 | Virginia Senior Benefits and Family Care | 43 Montgomery Dr | (540) 226-8715 |
| 8 | EZ FIX INSURANCE AGENCY | 1259 Courthouse Rd #204 | (540) 318-6733 |
| 9 | Tabitha E. Walker Insurance Agency | 25 Clement Dr | (540) 657-5633 |
| 10 | Isaac Plans Insurance | 129 Pewter Ln | (540) 426-1804 |
Rachel Johnson - State Farm Insurance Agent serves the Stafford, Virginia area as an umbrella insurance agent. This company helps local residents and businesses protect their assets beyond standard home and auto policies. Umbrella insurance is purchased to provide additional liability coverage when the limits on other policies are exhausted. The business assists clients in securing this extra layer of financial protection against large claims or lawsuits. They also handle individual policy reviews to identify appropriate coverage amounts for a client’s specific assets and risks.
Gary Boxley, a local umbrella insurance agent in Stafford, VA, provides clients with supplemental liability coverage that extends beyond standard home or auto policy limits. Services include guidance on policy limits to protect personal assets from major claims or lawsuits. The office assists homeowners and renters with umbrella plans that coordinate with underlying insurance. It services a variety of properties in the area, including single-family homes, apartments, retail spaces, and restaurants.
Farmers Insurance - Patricia Grant serves homeowners, businesses, and property managers in Stafford, Virginia, seeking extra liability protection through umbrella insurance policies. This agency helps clients increase their coverage limits beyond standard home or auto policies, providing an added layer of financial security against major claims or lawsuits. The office assists with policy reviews to determine appropriate coverage levels for personal assets and rental properties. Its services extend to neighboring communities within the Fredericksburg metro area.
J. Green Insurance serves Stafford, Virginia, and the surrounding communities as an umbrella insurance agent. The company handles the placement of personal and commercial umbrella policies that extend liability coverage beyond the limits of standard auto, home, or business insurance. For each client, it evaluates existing exposure and coverage gaps to recommend an appropriate layer of excess protection. To complete a typical job, it reviews the client’s current policy limits and arranges a liability umbrella that aligns with the client’s assets and risk tolerance.
Michael C. Smith, a State Farm Insurance Agent in Stafford, VA, offers umbrella insurance through distinct service paths: clients may choose either a single, one-time policy purchase or establish a recurring relationship for ongoing coverage adjustments. This insurance extends personal liability protection significantly beyond standard homeowners or auto policies, addressing severe claims that might otherwise deplete personal assets. The service operates on an as-needed basis for policy inquiries or claims, while scheduled reviews are available for periodic coverage assessments.
Chamblin Insurance LLC in Stafford, Virginia offers umbrella insurance to provide extended personal liability coverage. It serves clients whose standard policies may not fully protect their assets against significant claims. The company works with homeowners, auto policyholders, and other individuals seeking to bridge potential gaps in their existing insurance. An umbrella policy available from this agency helps protect against unexpected financial loss from incidents such as serious accidents or lawsuits on one’s property. The holidays and winter storm season often prompt increased concern over liability risks on residential premises.
As winter storms and seasonal flooding can cause unexpected liability claims in the Stafford area, Virginia Senior Benefits and Family Care helps local homeowners and drivers secure extra protection beyond standard policies. This umbrella insurance agent works with area residents to identify personal risk gaps and coordinate higher coverage limits that shield assets from major lawsuits. An initial consultation typically begins with a comprehensive review of existing home and auto policies to determine available capacity and the cost of an added layer.
EZ FIX INSURANCE AGENCY provides residential umbrella insurance for homeowners in Stafford, VA, offering liability protection above standard policy limits. Their services also extend to commercial coverage for local businesses facing higher risk exposures. The agency serves clients throughout the Stafford and surrounding area, focusing on claims oversight and policy adjustments as needs evolve. They encourage follow-up consultations between regular visits to address coverage changes and ensure adequate liability protection remains in place.
Tabitha E. Walker Insurance Agency in Stafford, VA, is known for providing umbrella insurance policies that extend liability coverage beyond standard home and auto limits. The agency serves local clients seeking added financial protection against major claims or lawsuits. Its service range includes assessing each policyholder’s personal liability risks and tailoring coverage to meet those needs. A specialty service this agency can add on is coverage for recreational vehicles, ensuring clients with boats or ATVs have broader protection.
What Does an a Umbrella Insurance Agent in Stafford Cost?
The cost of umbrella insurance in Virginia typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Premiums increase with higher coverage limits, usually 75 to 150 dollars per additional million. Factors that affect cost include the number of vehicles, properties, and drivers in your household. This is general information and not insurance advice.
About umbrella insurance agents in Stafford
Umbrella insurance agents in Stafford, Virginia help residents secure additional liability coverage that goes beyond the limits of auto and homeowners policies. Virginia law does not require umbrella insurance, but it can protect your savings and future earnings from large lawsuits. Local agents understand the specific liability risks in the Stafford area, including accidents on rural roads and incidents involving recreational vehicles.
Frequently Asked Questions
What does umbrella insurance cover in Virginia?
Umbrella insurance covers liability claims that exceed the limits of your underlying auto or homeowners policy. In Virginia, this can include legal defense costs for claims like libel or slander. It also covers incidents that may not be covered by standard policies, such as false arrest or invasion of privacy.
How much umbrella insurance do I need in Stafford?
The amount of umbrella insurance you need depends on your assets and risk exposure. Many Virginia agents recommend at least 1 million dollars in coverage. If you own property, have a swimming pool, or engage in activities like boating on the Potomac River, higher limits may be wise.
Can I get umbrella insurance if I have a teenage driver in Virginia?
Yes, you can still obtain umbrella insurance with a teenage driver in Virginia, but the cost may be higher. Virginia law requires all drivers to carry minimum liability coverage, and umbrella policies typically require higher underlying limits. An agent can help you find a policy that fits your family situation.
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