The top-rated umbrella insurance agent in Richland, Washington is Rhonda Urich - State Farm Insurance Agent, rated 4.9 stars across 254 reviews. Other highly rated options include Craig Griffiths - State Farm Insurance Agent, Farmers Insurance - Larry Rindlisbacher, Bauder & Associates, LLC American Family Insurance. This directory lists 14 umbrella insurance agents serving Richland.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rhonda Urich - State Farm Insurance Agent | 712 The Pkwy | (509) 392-8037 |
| 2 | Craig Griffiths - State Farm Insurance Agent | 309 Bradley Blvd Suite 101 | (509) 547-9571 |
| 3 | Farmers Insurance - Larry Rindlisbacher | 636 Jadwin Ave Ste F | (509) 943-3122 |
| 4 | Bauder & Associates, LLC American Family Insurance | 430 George Washington Way #104 | (509) 420-5152 |
| 5 | Legacy One Insurance | 750 Swift Blvd Suite #2 | (509) 943-9999 |
| 6 | Ryan Wingfield - COUNTRY Financial Representative | 1446 Spaulding Ave # 203 | (509) 491-3994 |
| 7 | Marsh McLennan Agency | 390 Bradley Blvd | (509) 946-6161 |
| 8 | Matt Sept - COUNTRY Financial Agent | 1955 Jadwin Ave Suite 410 | (509) 430-8484 |
| 9 | Ben Benedict American Family Insurance | 1950 Keene Rd Bldg N | (801) 409-3011 |
| 10 | Crigler Insurance Agency | 1301-B George Washington Way | (509) 946-4620 |
Rhonda Urich - State Farm Insurance Agent serves the Richland, Washington area, providing umbrella insurance coverage. As an agent in this region, Rhonda Urich helps clients secure excess liability policies that extend beyond the limits of standard auto, home, or boat insurance policies. Additional coverage for property damage or personal injury claims commonly handled in this local market includes high-limit liability protection for accidents or incidents involving rental properties or recreational vehicles.
Craig Griffiths - State Farm Insurance Agent in Richland, WA, provides personalized umbrella insurance coverage designed to extend liability protection beyond standard policies. Ongoing client support includes policy reviews and adjustments to ensure coverage limits remain adequate for evolving needs. Service plans involve periodic consultations to address changes in asset values or risk exposure. The agent serves property owners throughout the area, including those with single-family homes, apartments, retail spaces, and restaurants.
Homeowners, businesses, and property managers in the Richland area work with Farmers Insurance - Larry Rindlisbacher for umbrella insurance policies. This agency helps clients secure additional liability coverage beyond standard policies, protecting assets and future income. Services include assessing personal risk exposure and recommending appropriate policy limits. The agency serves clients across eastern Washington, including the neighboring community of Kennewick.
At Bauder & Associates, LLC American Family Insurance in Richland, WA, umbrella insurance can be arranged either as a one-time policy or as a recurring annual coverage, depending on client needs. This extra liability layer protects assets beyond standard home and auto limits, helping safeguard savings and future earnings from major claims or lawsuits. Local clients typically select a scheduled annual renewal, ensuring continuous protection as their personal risk profile evolves. Service for policy management and claims assistance operates on an as-needed basis following the initial setup.
Serving clients in Richland, Washington, and the surrounding Tri-Cities communities, Legacy One Insurance handles personal and commercial umbrella liability coverage. This type of insurance provides additional liability protection beyond standard home and auto policies. The agent works with residents to evaluate their existing coverage limits and identify gaps caused by assets or potential risks. For a typical job, it first reviews a client’s current policies, then calculates an appropriate excess limit, and selects a carrier with favorable terms for local conditions.
Ryan Wingfield - COUNTRY Financial Representative in Richland, WA provides specialized umbrella insurance services that extend liability coverage beyond standard policy limits. The agency generally assists clients with broader insurance needs to protect personal assets from unexpected lawsuits. During spring and summer months, local homeowners often seek its advice before hosting large gatherings or opening pools, as these activities increase the risk of accidents and potential liability claims beyond what a standard homeowners policy can cover.
Inland Washington’s changing seasons often bring liability concerns for property owners and small businesses. Marsh McLennan Agency, an umbrella insurance agent in Richland, helps local clients evaluate and extend their existing liability coverage beyond standard policy limits for greater financial protection. Their agents assess individual risk portfolios to determine appropriate umbrella policy structures that safeguard assets from unexpected claims. The service begins with a thorough inspection of your current insurance framework and a personalized needs review.
Matt Sept - COUNTRY Financial Agent in Richland, WA offers residential umbrella insurance to protect homeowners from major liability claims. Commercial coverage is also available for local small businesses and farms throughout the Richland area. An umbrella policy provides extra liability limits above standard auto and homeowners policies. Clients often schedule follow-up conversations to adjust their coverage between regular insurance reviews, ensuring continued protection as their assets and circumstances change.
Ben Benedict American Family Insurance helps individuals and businesses manage liability risks in Richland, Washington. As an umbrella insurance agent, the company offers coverage that extends beyond standard policy limits, providing an additional layer of financial protection against major claims or lawsuits. This specialty add-on is designed to safeguard assets in an unpredictable environment. The insurance agency can serve commercial sectors including offices, warehouses, and food service operations, ensuring these businesses have adequate liability coverage for their specific operational exposures.
Crigler Insurance Agency in Richland, WA is known for its focus on umbrella insurance, offering supplemental liability coverage that extends beyond standard home and auto policies. This service helps clients protect their assets against large claims or lawsuits. Umbrella policies from the agency generally provide coverage starting at one million dollars, applying to a variety of personal risk scenarios common in the area. As a specialty service, the agency can also add on coverage for recreational vehicles, such as boats or ATLs, under the same policy.
What Does an a Umbrella Insurance Agent in Richland Cost?
The cost of an umbrella insurance policy in Washington typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 million dollars may cost 200 to 600 dollars annually. Factors such as your driving record, number of properties, and personal liability history affect the premium. This is general information, not insurance advice.
About umbrella insurance agents in Richland
Umbrella insurance agents in Richland, Washington help you add a layer of liability protection beyond your auto and homeowners policies. Washington state law does not require umbrella insurance, but it can be valuable for residents with significant assets or higher risk exposure. Agents in the Tri-Cities area can tailor a policy to your specific needs and local circumstances.
Frequently Asked Questions
What does an umbrella insurance agent in Richland do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides extra coverage above your existing auto and home insurance limits. They assess your risk profile and recommend appropriate coverage amounts based on Washington state guidelines.
How much umbrella insurance do I need in Washington?
Most agents recommend at least 1 million dollars in umbrella coverage for Washington residents with moderate assets. Higher limits of 2 to 5 million dollars may be appropriate for those with significant property or higher liability exposure. Your agent can help you determine the right amount based on your net worth and risk factors.
Does umbrella insurance cover legal defense costs in Washington?
Yes, umbrella policies typically cover legal defense costs for covered claims, even if the lawsuit is groundless. Washington state courts follow a comparative fault system, so having extra liability protection can help cover judgments or settlements that exceed your primary policy limits.
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