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Umbrella Insurance in Red Oak, 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.

24 umbrella insurance agencies in Red Oak

Within 15 miles of Red Oak, TX. Click any agency to view profile, contact info, and request a quote.

LFeatured partner
LIBERTAS INSURANCEPaid placement

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.

AutoHomeownersRentersLife+6 more
Waco, TX· 69.8 mi
Carriers: American Economy Insurance Company, GEICO County Mutual Insurance Company +21-2 agents
P Listed
Precise Title
4.8 · <100 reviews on Google

Precise Title provides comprehensive and accurate title services to ensure smooth real estate transactions. Their expert team handles buying, selling, and refinancing, prioritizing protection of property rights.

AutoCommercial GLHomeownersRenters+1 more
Red Oak, TX· 0.7 mi
1-2 agents
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T Listed
Touchstone Imaging Red Oak
4.6 · 1,000+ reviews on Google

Touchstone Medical Imaging offers cost‑effective diagnostic imaging services with over 60 outpatient centers, providing same‑day or next‑day appointments and in‑network coverage with most major health insurance plans.

AutoCommercial GLHomeownersRenters+1 more
Red Oak, TX· 0.6 mi
License on file (TDI)
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D Listed
Danny Humphreys - State Farm Insurance Agent
4.5 · <100 reviews on Google31 yrs in business

Danny Humphreys is a State Farm insurance agent since 1995, serving Red Oak and the DFW metroplex. He offers a range of personal and business insurance products and emphasizes personalized service and community care.

AutoCommercial GLHomeownersRenters+1 more
Red Oak, TX· 2.5 mi
Carriers: American Modern Property and Casualty Insurance Company, American Reliable Insurance Company +13
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A Listed
ALPA Insurance
4.9 · 100+ reviews on Google15 yrs in business

ALPA Insurance offers quick, simple, no‑commitment coverage with bilingual service in English and Spanish. They serve Texas with over 50 locations and have been operating for about 15 years. The agency provides a range of products from auto to commercial insurance.

AutoCommercial GLHomeownersMotorcycle+2 moreSpanish
Desoto, TX· 6.3 mi
Carriers: Progressive, Dairyland (Sentry) +4
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K Listed
Knott Insurance Group
4.9 · 100+ reviews on Google38 yrs in business

Knott Insurance Group is an independent agency founded in 1988 that offers a range of personal and commercial insurance solutions to the Desoto, Texas community and the wider state. They emphasize education, choice of carriers, and dedicated service for both individuals and businesses.

AutoBoatCommercial GLCommercial Property+3 more
Desoto, TX· 3.3 mi
Carriers: ASI Lloyds, Aegis Security Insurance Company +911-2 agents
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N Listed
Nickie Weyrauch: Allstate Insurance
4.4 · <100 reviews on Google19 yrs in business

Nickie Weyrauch is an Allstate Insurance Agent in Red Oak, TX. She has been licensed since 2003 and opened her own agency in 2007, serving the local community with auto, home, renters, motorcycle, boat, and life insurance. She emphasizes personal relationships and family values.

AutoBoatCommercial GLHomeowners+4 more
Red Oak, TX· 0.8 mi
Carriers: Allstate1-2 agents
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A Listed
Andrea Walton - State Farm Insurance Agent
4.7 · 100+ reviews on Google32 yrs in business

Andrea Walton is a State Farm insurance agent serving Red Oak, TX since 1994. The agency offers auto, home, and other personal insurance products and emphasizes community involvement and personalized service.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Waxahachie, TX· 2.5 mi
Carriers: STATE FARM GENERAL INSURANCE COMPANY, State Farm County Mutual Insurance Company of Texas +41-2 agents
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H Listed
Home Instead
4.7 · <100 reviews on Google16 yrs in business

Home Instead provides in‑home senior care services in Red Oak, TX, offering personalized assistance such as memory care, daily tasks, and 24‑hour support. They focus on compassionate, vetted caregivers and flexible care plans.

AutoCommercial GLHomeownersRenters+1 more
Red Oak, TX· 0.5 mi
1-2 agents
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B Listed
Baylor Scott & White Family Medical Center - Red Oak
4.7 · 100+ reviews on Google

Family Medical Center Red Oak offers urgent care services, 24/7 eVisit and video visits, and access to primary and specialist care through the MyBSWHealth portal.

AutoCommercial GLHomeownersRenters+1 moreSpanish
Red Oak, TX· 0.6 mi
License on file (TDI)
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K Listed
Kimberly Giddings - State Farm Insurance Agent
4.8 · <100 reviews on Google31 yrs in business

Kimberly Giddings is a State Farm agent serving the Lancaster, TX area since 1995. She holds a B.S. from Southeastern Oklahoma State University and leads a bilingual team offering a range of personal and business insurance products.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Lancaster, TX· 6.3 mi
Carriers: State Farm
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L Listed
La Familia Auto Insurance
4.9 · 1,000+ reviews on Google15 yrs in business

La Familia Insurance provides auto, homeowners, renters, and commercial insurance with a focus on affordable, reliable coverage and bilingual customer service. Founded in 2010, they have 15 years of experience serving the Texas community.

AutoCommercial GLHomeownersRenters+1 moreSpanish
Desoto, TX· 5.6 mi
Carriers: Bravo General (in-house MGA), GAINSCO +51-2 agents
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L Listed
Lady Love Tax Service Inc
4.5 · <100 reviews on Google

Lady Love Tax Service Inc is a tax preparation and financial services firm in Red Oak, Texas, offering income tax preparation, audit representation, bookkeeping, payroll, and business consulting. They emphasize personal relationships and professional expertise to provide accurate and timely financial assistance.

AutoCommercial GLHomeownersRenters+1 more
Red Oak, TX· 1.1 mi
1-2 agents
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L Listed
Little Todd

Allied Business Services provides a range of personal and commercial insurance solutions, including auto, homeowners, and life coverage. They partner with reputable carriers to offer competitive plans and emphasize personalized service for families and businesses.

AutoCommercial GLHomeownersLife+2 more
Red Oak, TX· 0.6 mi
License on file (TDI)
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I Listed
Insurance One

Insurance One Agency, LC is an independent agency with over 16 offices across Texas offering personal and business insurance solutions. They provide a range of coverages including auto, home, commercial, umbrella, flood and motorcycle insurance, emphasizing local insight with statewide service.

AutoCommercial GLFloodHomeowners+3 more
Red Oak, TX· 0.7 mi
License on file (TDI)
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C Listed
Cooper Insures
4.5 · <100 reviews on Google

Cooper Insures is an independent insurance agency offering a wide range of personal and commercial coverage options. They emphasize personalized service, comparing rates from many carriers to find the best fit for each client. The agency highlights strong customer service and long‑term relationships.

AutoBoatCommercial GLCommercial Property+5 moreSpanish
Red Oak, TX· 3.0 mi
License on file (TDI)
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J Listed
Jennifer Reed - GEICO Insurance Agent
4.8 · 100+ reviews on Google85 yrs in business

GEICO Insurance Agency, based in the Dallas‑Fort Worth area of Texas, offers a range of insurance products including auto, homeowners, renters, motorcycle, boat, life, umbrella, flood and earthquake coverage. Customers can obtain quotes online or contact agents for personalized assistance.

AutoHomeownersRentersMotorcycle+6 moreSpanish
Desoto, TX· 5.8 mi
Carriers: American Modern Insurance Group, Assurant +11-2 agents
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J Listed
Jarvis Hill - State Farm Insurance Agent
4.9 · 100+ reviews on Google10 yrs in business

Jarvis Hill is a State Farm insurance agent in Desoto, Texas with over 10 years of experience in financial services. He offers a range of personal and business insurance products and is active in the local community through the Desoto Chamber of Commerce. His focus is on educating customers and providing personalized coverage solutions.

AutoBoatCommercial GLHomeowners+4 more
Desoto, TX· 6.3 mi
Carriers: MGA Insurance Company, Inc., STATE FARM GENERAL INSURANCE COMPANY +61-2 agents
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F Listed
Farmers Insurance - Tony Poncio
4.8 · <100 reviews on Google

Licensed insurance agency in Red Oak, TX; represents 1 carrier.

AutoCommercial GLHomeownersLife+2 more
Red Oak, TX· 0.5 mi
Carriers: Farmers1-2 agents
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K Listed
Kailea Robertson Health
4.8 · <100 reviews on Google

Independent health insurance agent helping small business owners, individuals, and families navigate health insurance options, offering personalized guidance and nationwide coverage.

AutoCommercial GLHomeownersRenters+1 more
Waxahachie, TX· 3.7 mi
1-2 agents
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M Listed
Michael Mendoza: Primerica - Financial Services
49 yrs in business

Primerica is a financial services company offering term life insurance, auto and home insurance referrals, and investment solutions to middle‑income families. Established in 1977, it is the second largest issuer of term life insurance in the U.S. and helps families protect income and plan for the future.

AutoCommercial GLHomeownersLife+2 moreSpanish
Red Oak, TX· 0.8 mi
Carriers: Primerica, National Benefit Life Insurance Company1-2 agents
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K Listed
Krystal Brown - State Farm Insurance Agent
4.7 · 100+ reviews on Google9 yrs in business

Krystal Brown is a State Farm insurance agent serving DeSoto and the Dallas‑Fort Worth area since 2017. She offers a range of personal and business insurance products including auto, homeowners, renters, life, motorcycle and boat coverage, and is dedicated to helping families and local businesses protect what matters most.

AutoBoatCommercial GLHomeowners+4 more
Desoto, TX· 5.8 mi
Carriers: STATE FARM GENERAL INSURANCE COMPANY, State Farm County Mutual Insurance Company of Texas +41-2 agents
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E Listed
Ernie Williams Insurance Agency
4.8 · <100 reviews on Google15 yrs in business

Ernie Williams Insurance is an independent agency serving Texas since 2011, with offices in DeSoto and Palestine. They offer a range of personal and commercial insurance products and emphasize personalized service.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Desoto, TX· 6.4 mi
1-2 agents
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A Listed
Adam Rope - State Farm Insurance Agent
4.9 · 500+ reviews on Google18 yrs in business

Adam Rope is a State Farm agent serving Waxahachie and Mansfield, Texas, offering auto, homeowners, renters, life, motorcycle and boat insurance among other products. The agency highlights over 60 years combined State Farm experience and has a 4.9/5 rating on Google with 616 reviews.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Waxahachie, TX· 7.3 mi
Carriers: State Farm1-2 agents
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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.