Umbrella Insurance in Charlotte, TX
Personal umbrella insurance adds an extra $1M-$5M of liability coverage above your auto and homeowners limits. For families with assets to protect, teen drivers, swimming pools, or rental properties, an umbrella is typically the cheapest dollar-per-dollar liability protection available.
8 umbrella insurance agencies in Charlotte
Within 15 miles of Charlotte, TX. Click any agency to view profile, contact info, and request a quote.
Libertas Insurance (Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas, with a second office in Austin, serving individuals, families, and businesses across the state. As an independent agency, Libertas isn't tied to a single carrier — it compares multiple companies to fit each client's needs across personal lines (auto, home, life, umbrella, flood, boat, and motorcycle) and a full range of commercial coverage, including general liability, commercial property, workers' compensation, commercial auto, professional liability, cyber, and trucking. Led by owner Kyle Kriegel, the agency emphasizes clear, personalized guidance — "Clear & Simple Insurance" — with free no-obligation policy reviews, online comparative quotes, and 24/7 claims support through a modern client portal.
John Long is a State Farm insurance agent serving Jourdanton and surrounding Texas areas. He offers auto, home, farm & ranch, renters, condo, motorcycle, boat, life, and business insurance along with financial services. The agency emphasizes personalized coverage and has nearly 40 years of combined experience.
Licensed insurance agency in Charlotte, TX; represents 4 carriers.
Licensed insurance agency in Jourdanton, TX; represents 7 carriers.
Licensed insurance agency in Jourdanton, TX; represents 91 carriers.
Licensed insurance agency in Jourdanton, TX; represents 20 carriers.
Licensed insurance agency in Jourdanton, TX; represents 19 carriers.
Licensed insurance agency in Jourdanton, TX; represents 14 carriers.
Frequently asked questions
Do I need umbrella insurance?
If your net worth is meaningful or you have higher-than-average liability exposure (teen drivers, pool, dog, rental properties), yes. A $1M umbrella is usually $200-$400/year and dramatically reduces lawsuit exposure.
Does my auto insurance cover lawsuits over my limit?
No -- you're personally on the hook for any judgment above your policy limits. Umbrella picks up where auto/home liability ends.
Can I get an umbrella from any agent?
Most carriers require you to also have auto + home policies with them (or at high enough limits elsewhere). An independent agent can often place the umbrella with the same carrier as your other policies.