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Umbrella Insurance in Richmond, 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 Richmond

Within 15 miles of Richmond, 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· 154.2 mi
Carriers: American Economy Insurance Company, GEICO County Mutual Insurance Company +210+ agents
M Listed
Mims Integra Insurance
4.8 · 27 reviews on Google32 yrs in business

Christopher Mims has been serving the Houston, Richmond, and Katy areas with insurance protection since 1994. He began as a Farmers Insurance Agency and now operates as an independent Trusted Choice agent with the Integra Group, offering auto, home, life and business insurance solutions. Mims emphasizes personal relationships and a wide range of carrier options.

AutoCommercial GLHomeownersLife+2 more
Richmond, TX· 4.2 mi
Carriers: Travelers, MetLife +620+ agents
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Q Listed
Quality Insurance
4.8 · 20 reviews on Google10 yrs in business

Quality Insurance is a trusted agency with over 10 years of experience, serving clients across Texas and Mississippi. They specialize in Home, Auto, Landlord, Condo, Renters, Commercial, and Life insurance, offering personalized coverage options.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Richmond, TX· 3.5 mi
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, Aetna Better Health of Kansas Inc. +3010+ agents
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A Listed
Acrisure Digital Solutions / Rockland Insurance Agency
4.7 · 701 reviews on Google

Acrisure is an insurance and business solutions provider that offers personalized coverage for individuals and companies of all sizes. They connect customers to a range of insurance options, including home, auto, flood, health, and life policies, using advanced technology for quick quotes. Their focus is on delivering tailored solutions backed by industry expertise.

AutoCommercial GLFloodHomeowners+3 more
Richmond, TX· 2.7 mi
20+ agents
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S Listed
Stieber Insurance Group, LLC
4.8 · 29 reviews on Google43 yrs in business

Stieber Insurance Group is a family‑owned agency serving Texas since 1983, offering personalized insurance solutions for homes, cars, and businesses. They emphasize local expertise, community focus, and independent carrier options to tailor coverage for each client.

AutoCommercial GLCommercial PropertyHomeowners+2 more
Richmond, TX· 4.1 mi
10+ agents
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M Listed
Mark Boles Insurance Agency
4.8 · 60 reviews on Google

Acrisure South is a dynamic team leveraging decades of expertise, relationships, collaboration and technology. They serve businesses and families in the South region to protect assets, mitigate risk, and achieve financial security.

AutoCommercial GLHomeownersRenters+1 more
Richmond, TX· 3.8 mi
10+ agents
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C Listed
Cornerstone Insurance Agency
4.8 · 35 reviews on Google17 yrs in business

Cornerstone Insurance Agency offers personalized insurance solutions with over 150 carrier options, focusing on home, auto, life, farm and business coverage for clients in Texas and Oklahoma. With more than 17 years of experience, they emphasize human‑first service and tailored guidance for individuals and high‑risk industries.

AutoCommercial GLCommercial PropertyDisability+6 more
Rosenberg, TX· 7.6 mi
Carriers: ASI Lloyds, Acceptance Casualty Insurance Company +5210+ agents
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M Listed
McDonald & Wessendorff Insurance
4.6 · 5 reviews on Google98 yrs in business

McDonald & Wessendorff Insurance, founded in 1928 and expanded in 1987, serves families, businesses, and individuals throughout Fort Bend County and Texas. The agency emphasizes quality, value, and service while offering a broad range of commercial and personal insurance solutions. As a Trusted Choice Independent Insurance Agent, they partner with leading carriers to meet client needs.

AutoCommercial GLHomeownersRenters+1 more
Richmond, TX· 4.7 mi
Carriers: ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY +11910+ agents
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D Listed
DuVal Insurance Agency
4.6 · 10 reviews on Google

DuVal Insurance Agency provides a range of insurance plans to residents in Richmond, Katy and the Greater Houston Area. They offer coverage for home, auto, boat, life, flood, umbrella and commercial needs, helping families and businesses protect their assets.

AutoBoatCommercial GLFlood+4 more
Richmond, TX· 3.5 mi
20+ agents
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J Listed
JARLAM COMMERCIAL INSURANCE AGENCY CORP
4.8 · 25 reviews on Google

Licensed insurance agency in Richmond, TX; represents 4 carriers.

AutoHomeownersRentersCommercial GL+1 more
Richmond, TX· 3.5 mi
Carriers: GEICO County Mutual Insurance Company, GEICO Texas County Mutual Insurance Company +210+ agents
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H Listed
Hardcastle Insurance Agency LLC
4.8 · 94 reviews on Google14 yrs in business

Hardcastle Insurance is an independent agency in Katy, Texas offering a one‑stop shop for auto, home, renters, life, motorcycle and boat coverage. They partner with multiple carriers to provide customized, affordable policies and emphasize personalized service.

AutoBoatCommercial GLHomeowners+4 more
Katy, TX· 10.1 mi
Carriers: American Economy Insurance Company, Cypress Property & Casualty Insurance Company +1420+ agents
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J Listed
Jacobs Insurance Agency
4.8 · 34 reviews on Google

Jacobs Insurance Agency, LLC is a veteran‑owned agency led by owner Javante Jacobs. With experience at a Fortune 100 insurer and a background of military service, the agency serves families and businesses across Texas and Louisiana, offering personalized insurance solutions.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Sugar Land, TX· 8.1 mi
Carriers: American Modern Property and Casualty Insurance Company, Incline Casualty Company +310+ agents
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H Listed
Henry Integra Insurance Services
4.8 · 63 reviews on Google79 yrs in business

Henry – Integra Insurance Services, based in Katy, Texas, offers a range of personal and commercial insurance solutions. The agency emphasizes client education and tailored coverage, earning recognition as a leading agency in the Houston area. Founded with roots dating back to 1947, they partner with Integra Insurance Services to broaden options for customers.

AutoBoatCommercial GLHomeowners+4 more
Katy, TX· 9.5 mi
20+ agents
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R Listed
RL Insurance Agency LLC
4.8 · 91 reviews on Google

RL Insurance is a Hispanic‑origin agency based in Houston that serves American, Hispanic and diverse families, offering health, dental, vision, life, Medicare, and other insurance solutions.

AutoHomeownersRentersCommercial GL+3 moreSpanish
Katy, TX· 8.5 mi
Carriers: Cigna HealthCare of Texas, Inc., Health Care Service Corporation, a Mutual Legal Reserve Company10+ agents
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B Listed
Brightway Insurance, The Williams Family Agency
4.8 · 3 reviews on Google

Brightway Insurance offers a modern, independent approach to insurance, connecting customers with local agents who customize quotes across many carriers. They emphasize trust, fast response, and personalized service to help clients secure the right coverage.

AutoBoatCommercial GLFlood+5 more
Richmond, TX· 3.5 mi
10+ agents
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T Listed
Texas Ria Insurance Agency
4.8 · 129 reviews on Google

Texas RIA is a local Platinum Progressive agency offering auto, home, business and trucking insurance. They provide comparative rates from top carriers and a range of online services for policy management and quotes.

AutoCommercial GLCommercial PropertyHomeowners+2 moreSpanish
Katy, TX· 9.4 mi
Carriers: Progressive, ASI Lloyds +710+ agents
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D Listed
DLG Insurance Agency
4.9 · 247 reviews on Google

DLG Insurance Agency serves Katy and the surrounding Texas communities, helping consumers save money, businesses reduce risk, and families protect their financial future. The agency offers a wide range of insurance products, from auto and home to life and disability coverage.

AutoBoatCommercial GLDisability+6 more
Katy, TX· 9.7 mi
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +7120+ agents
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F Listed
Full Scope Insurance Agency, LLC
4.9 · 113 reviews on Google16 yrs in business

Full Scope Insurance Agency is an independent agency located in Richmond, Texas, serving personal and commercial insurance needs since 2010. They offer auto, home, life, watercraft, commercial building and business protection products with a focus on personalized service and local agents.

AutoBoatCommercial GLCommercial Property+4 moreSpanish
Richmond, TX· 11.2 mi
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +7020+ agents
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H Listed
Home Insurance Solutions of Texas - Equity Insurance Group
4.9 · 101 reviews on Google

Equity Insurance Group in Katy, Texas offers personalized insurance shopping, comparing over 80 carriers to find competitive rates for auto, home, renters, and other coverages. They emphasize real‑person support, easy claims assistance, and a free no‑obligation evaluation.

AutoHomeownersRentersCommercial GL+3 more
Katy, TX· 10.3 mi
Carriers: National General, The Hartford +820+ agents
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D Listed
DEXA INSURANCE AGENCY GROUP LLC
4.8 · 46 reviews on Google

Licensed insurance agency in Katy, TX; represents 29 carriers.

AutoHomeownersRentersCommercial GL+1 more
Katy, TX· 6.6 mi
Carriers: Aegis Security Insurance Company, Agricultural Workers Mutual Auto Insurance Company +2720+ agents
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B Listed
BENEVIE GROUP LLC
4.8 · 5 reviews on Google

Licensed insurance agency in Richmond, TX; represents 13 carriers.

AutoHomeownersRentersCommercial GL+1 more
Richmond, TX· 3.6 mi
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, Aetna Health Inc. +1110+ agents
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H Listed
Hancy's Insurance Agency
4.8 · 7 reviews on Google

Hancy’s Insurance Agency helps individuals, families, and businesses compare coverage from multiple carriers, offering auto, home, renters, life, health, and business insurance with fast, personalized service in Texas.

AutoBoatCommercial GLHomeowners+4 more
Richmond, TX· 7.6 mi
10+ agents
View profile
A Listed
Allstate Insurance Agent: Tom Dutka
4.7 · 85 reviews on Google

Allstate Insurance Agents in Texas help customers with auto, home, and life insurance needs, offering resources such as car safety tips, home maintenance checklists, and boating guides. The site provides a directory of agents across Texas, including Richmond, TX.

AutoCommercial GLHomeownersLife+2 more
Richmond, TX· 1.2 mi
Carriers: Allstate
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T Listed
TS Insurance
4.9 · 107 reviews on Google

TS Insurance is a local agency serving Katy and the surrounding Texas communities, offering personal and commercial insurance solutions. They emphasize protecting clients like family and provide a range of coverage options. The agency highlights quick online quotes and personalized service.

AutoBoatCommercial GLCommercial Property+6 moreSpanish
Katy, TX· 8.5 mi
Carriers: Gerber Life Insurance Company6+ agents
View profile

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.