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HomeUmbrella Insurance AgentsWashington › Spokane Valley

Find Umbrella Insurance Agents Near You in Spokane Valley, WA

Browse umbrella insurance agents serving Spokane Valley, Washington. Updated 2026-07-14.

The top-rated umbrella insurance agent in Spokane Valley, Washington is Vern Fonk Insurance, rated 4.9 stars across 463 reviews. Other highly rated options include Jihong Zheng Agency LLC American Family Insurance, Spokane Valley Insurance, Associated Agents Group. This directory lists 12 umbrella insurance agents serving Spokane Valley.

Showing 12 umbrella insurance agents in Spokane Valley, WAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Vern Fonk Insurance13817 E Sprague Ave #6(509) 219-7003
2Jihong Zheng Agency LLC American Family Insurance12623 E Sprague Ave #2(509) 818-3470
3Spokane Valley Insurance11017 E Sprague Ave Suite B(509) 928-1234
4Associated Agents Group626 N Mullan Rd(509) 295-2291
5Empire Insurance Brokers708 N Argonne Rd Suite 8bm(509) 922-4636
6All Lines Insurance10623 E Sprague Ave Suite C(509) 624-5110
7Starr & Brown11707 E Sprague Ave Ste 105(509) 928-2121
8Inland Northwest Insurance12319 E Broadway Ave(509) 892-6373
9Capital Insurance1112 S Pines Rd(509) 324-1398
10HUB International200 N Argonne Rd(509) 891-1000
VF
13817 E Sprague Ave #6
Vern Fonk Insurance
Umbrella Insurance Agent · Spokane Valley, WA

Vern Fonk Insurance in Spokane Valley, Washington provides umbrella liability insurance for residential properties, offering added protection beyond standard homeowners policies. The company also covers commercial accounts, serving clients throughout the greater Spokane Valley area. Umbrella policies are designed to cover catastrophic claims or lawsuits that exceed underlying coverage limits. The agent assists with initial policy selection and claims guidance, then follows up with clients before each renewal cycle to recommend adjustments. This ensures coverage keeps pace with changing assets or risks between regular visits for policy reviews.

JZ
12623 E Sprague Ave #2
Jihong Zheng Agency LLC American Family Insurance
Umbrella Insurance Agent · Spokane Valley, WA

Jihong Zheng Agency LLC American Family Insurance serves Spokane Valley and surrounding areas in Washington, offering umbrella insurance agent services. Umbrella policies provide extra liability protection beyond standard home and auto coverage, helping to safeguard personal assets. The agency assists clients in evaluating their current risk exposure and recommending appropriate coverage limits. It also guides individuals through the application process to ensure seamless integration with existing policies. Tailored advice is available for both residential and automotive insurance needs in this region.

SV
11017 E Sprague Ave Suite B
Spokane Valley Insurance
Umbrella Insurance Agent · Spokane Valley, WA

Spokane Valley Insurance provides umbrella insurance coverage for individuals and businesses in Spokane Valley, Washington. These policies offer additional liability protection beyond standard home or auto policies. The agency works with clients to identify appropriate coverage limits and review existing policies for potential gaps. Service includes assisting with claims, updating policies as needs change, and answering questions about liability exposures. The agency services a range of properties, including single-family homes, apartments, retail spaces, and restaurants.

AA
626 N Mullan Rd
Associated Agents Group
Umbrella Insurance Agent · Spokane Valley, WA

Associated Agents Group in Spokane Valley, Washington serves homeowners, businesses, and property managers by securing excess liability coverage beyond standard policy limits. This extra layer of protection helps clients safeguard assets and future earnings from major claims. The firm also assists landlords and commercial property owners operating in the region. Covering clients throughout greater Spokane County, the agency additionally extends its services to nearby communities such as Liberty Lake and the surrounding Spokane Valley metro area.

EI
708 N Argonne Rd Suite 8bm
Empire Insurance Brokers
Umbrella Insurance Agent · Spokane Valley, WA

Empire Insurance Brokers is known for connecting Spokane Valley residents with umbrella liability policies that extend coverage beyond standard home and auto limits. The agency helps clients protect assets against major claims and lawsuits by offering policies that fill gaps in existing protection. Their services include assessing individual risk factors and securing appropriate coverage amounts from multiple carriers. For property owners seeking broader protection, Empire Insurance Brokers can add on coverage for recreational vehicles frequently used in the surrounding region.

AL
10623 E Sprague Ave Suite C
All Lines Insurance
Umbrella Insurance Agent · Spokane Valley, WA

All Lines Insurance serves the Spokane Valley, Washington area as an umbrella insurance agent. It provides personal umbrella policies designed to offer additional liability coverage beyond standard home and auto limits. These policies can help protect assets and future earnings against large claims or lawsuits. For residents, the agency also assists with assessing specific liability exposures to recommend appropriate coverage levels. The agency is well-positioned to help clients with both personal umbrella insurance and excess liability policies.

SB
11707 E Sprague Ave Ste 105
Starr & Brown
Umbrella Insurance Agent · Spokane Valley, WA

Serving Spokane Valley and the surrounding Inland Northwest communities, Starr & Brown is an umbrella insurance agent. The company assists individuals and businesses by securing additional liability coverage that extends beyond the limits of standard home and auto policies. To manage each client’s needs effectively, they begin by reviewing existing coverage to identify any gaps in protection. They then work to match policy options with those specific exposures, ensuring all claims and limits are addressed within a single, overarching plan.

IN
12319 E Broadway Ave
Inland Northwest Insurance
Umbrella Insurance Agent · Spokane Valley, WA

Inland Northwest Insurance in Spokane Valley, Washington handles both single-policy umbrella requests for those needing immediate liability coverage beyond their existing home and auto policies as well as recurring clients who add annual tail coverage for comprehensive asset protection. Additional coverage layers safeguard against major claims or lawsuits that exceed standard policy limits. Their service can be scheduled on a one-time, or as-needed basis, depending on a client's current insurance review and risk exposure timing.

CI
1112 S Pines Rd
Capital Insurance
Umbrella Insurance Agent · Spokane Valley, WA

Capital Insurance in Spokane Valley, Washington, provides expertise in umbrella insurance, which offers additional liability coverage beyond standard policies. It serves clients by securing extra protection against major claims or lawsuits that could otherwise exhaust existing limits. This service is especially valuable when facing the increased accident and liability risks associated with the icy winter months and seasonal recreational activities in the region, such as snowmobiling or skiing, which may lead to serious injuries.

HI
200 N Argonne Rd
HUB International
Umbrella Insurance Agent · Spokane Valley, WA

HUB International provides umbrella insurance coverage, offering clients in Spokane Valley additional liability protection beyond standard policies. Its service approach includes assessing individual risk profiles to recommend appropriate coverage limits and policy terms. The company supports ongoing client needs by helping adjust plans when circumstances change. It services a variety of residential and commercial properties, including single-family homes, apartments, retail businesses, and restaurants.

CI
1406 N Pines Rd
Century Insurance Agency
Umbrella Insurance Agent · Spokane Valley, WA
(509) 924-4424
centuryinsuranceagency.com
FI
12904 E Nora Ave suite d
Farmers Insurance - Damon Netz - Netz Agency
Umbrella Insurance Agent · Spokane Valley, WA
(509) 535-3033
thenetzagency.com

What Does an a Umbrella Insurance Agent in Spokane Valley Cost?

The cost of an umbrella insurance policy in Washington typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 million or 5 million, may cost 300 to 1,000 dollars annually. Your premium depends on factors like the number of properties, vehicles, and your claims history. This is general information, not insurance advice.

About umbrella insurance agents in Spokane Valley

Umbrella insurance agents in Spokane Valley help residents and businesses obtain extra liability protection beyond standard policies. Washington state law does not require umbrella insurance, but it can safeguard assets from large claims or lawsuits. Local agents understand the specific risks in Spokane Valley, such as accidents on icy roads or incidents involving recreational vehicles common in the region.

Frequently Asked Questions

What does an umbrella insurance agent in Spokane Valley do?

An umbrella insurance agent helps you purchase a personal or commercial umbrella policy that provides additional liability coverage above your auto, home, or boat insurance. They assess your assets and risk profile to recommend appropriate coverage limits.

How much umbrella coverage do I need in Washington?

Common umbrella policy limits in Washington range from 1 million to 5 million dollars. Your agent will consider your net worth, income, and potential liability risks such as rental properties or teenage drivers to determine the right amount.

Are there Washington-specific rules for umbrella insurance?

Washington follows a comparative fault system, meaning you can be held liable for your share of damages in a lawsuit. Umbrella insurance helps cover that share if it exceeds your primary policy limits. There is no state-mandated minimum for umbrella coverage.

Umbrella Insurance Agents in Other Washington 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.