Umbrella Insurance in Waco, 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.
Umbrella insurance in Waco, TX: 24 licensed insurance agencies serve 145,341 residents in McLennan County. auto premiums average $1,730 per year — 5% below the Texas state average. wind + hail drives 55% of homeowner claims.
24 umbrella insurance agencies in Waco
Within 15 miles of Waco, 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.
ALPA Insurance offers quick, simple, no‑commitment coverage across Texas, boasting more than 50 locations and 15 years of service. They provide a range of personal and commercial lines such as auto, motorcycle, renters, homeowners and commercial insurance, with bilingual staff serving English and Spanish speakers.
Amtex Insurance provides affordable auto, home, and business insurance solutions, emphasizing personal service and community involvement. They offer quick, comprehensive coverage by shopping multiple carriers to find the best rates for customers.
Cathy Hammond is a State Farm agent in Waco, Texas, with over 26 years of industry experience and her own office since 2021. She serves the Waco‑McLennan County area and surrounding Texas regions, offering a range of insurance products in English and Italian. The agency is known for a high customer rating and community involvement.
ALPA Insurance provides quick, simple, commitment‑free insurance solutions across Texas, boasting more than 50 locations and 15 years of service. They emphasize bilingual service (English/Spanish) and a hassle‑free quoting process.
Kalynn Tindall is a State Farm insurance agent serving Waco and surrounding Texas communities. The agency offers auto, homeowners, renters, life, motorcycle and boat insurance and focuses on personalized service and community involvement.
Baker & Carey Insurance is a locally owned, family‑run agency in Central Texas serving Waco and surrounding areas since 1968. They focus on personalized insurance solutions for families, offering a range of products through independent carrier partnerships.
Pronto Insurance provides affordable, fast and reliable coverage across Texas, specializing in auto, home, renters and business insurance. They partner with over 30 carriers to offer competitive rates and a range of services including SR‑22, surety bonds, roadside assistance and windshield repair.
Freeway Insurance is a nationwide agency that offers a wide range of insurance products, including auto, homeowners, renters, life, motorcycle, and boat coverage. The Waco, Texas location provides support for policy questions via phone and online quotes, serving customers across all 50 states.
HighView Insurance is an independent agency based in Waco, Texas offering personal, health, and commercial insurance solutions. They shop multiple carriers to find the best rates and provide personalized, locally‑focused service.
Herman Bell Insurance offers personalized assistance to help clients find affordable auto, home, motorcycle, and renters coverage. Their staff emphasizes respect, compassion, and low‑price options while handling the insurance shopping process for customers.
Vista Insurance Agency offers auto, home, renters, and commercial insurance solutions with over 25 years of experience, emphasizing personalized service and a wide selection of carriers.
Direct Auto is a local insurance agency in Waco offering auto insurance, term life insurance, roadside assistance, and SR‑22 filing services. Agents provide flexible payment options and in‑person quotes at their H‑E‑B store location. The agency serves customers in Texas with a focus on car‑related coverage.
Secured First Financial of Texas is an independent life insurance agency based in Waco, Texas, established in 2009 and operating as an independent agency since 2016. It offers life insurance, mortgage protection, retirement annuities, physical gold and silver, and estate planning services across multiple states.
We are committed to providing you, your business and your family with ideal insurance products, emphasizing service beyond the sale and offering specialized coverage including life insurance and various health plans.
Mission Medicare helps clients master Medicare by offering Medicare Supplement (Medigap), Part D prescription drug plans, Medicare Advantage, and ancillary products such as life, dental, vision, and long‑term care coverage.
Freeway is a nationwide insurance retailer that helps customers obtain auto, homeowners, renters, life, motorcycle and boat insurance among other products. The site offers an online quote tool and lists phone numbers for assistance. It serves all 50 U.S. states and provides a range of insurance options.
Browder General Insurance Agency, Inc. is a family‑owned agency that has been serving Texans since 1967. The agency offers personal, commercial, and life‑and‑health insurance along with bonds, emphasizing personalized service and community focus.
Insurors of Texas is an independent agency offering personal, business, and employee benefits insurance solutions, representing multiple carriers and providing services such as auto, home, life, commercial property, and liability coverage.
Direct Auto is a car insurance agency located at 1428 Wooded Acres Dr Ste 110 in Waco, Texas. They offer auto insurance, term life insurance, roadside assistance, SR‑22 filings, and related products with flexible payment options. The agency serves English and Spanish speaking customers and has a rating of 4.7 from 224 reviews.
Licensed insurance agency in Waco, TX; represents 174 carriers.
Traci Plemons is a State Farm insurance agent serving Waco, TX and surrounding areas, offering auto, homeowners, renters, life, motorcycle and boat insurance, as well as personal articles, health and pet coverage. The agency focuses on personalized service and is available 24/7 by call or text.
Elite Insurance Group in Waco, Texas aims to do more than sell insurance, positioning itself as a positive force that empowers clients with insight and strategic wisdom. The agency emphasizes personalized service, fast quoting, and claims advocacy while simplifying insurance concepts for customers.
A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.
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.