Umbrella Policies in East Tennessee
At Samar I Insurance Agency, we help individuals and families across Knoxville, Maryville, Oak Ridge, Seymour, and Farragut protect their financial future with affordable, flexible umbrella insurance coverage. Umbrella policies provide an extra layer of liability protection beyond your standard home, auto, or business insurance—helping cover legal fees, medical bills, and damages when other policies reach their limits.
As a woman-owned, community-focused agency, we take the time to understand your needs and explain your options clearly. Whether you have multiple assets, rental properties, teen drivers, or just want added peace of mind, we’ll tailor an umbrella policy that fits your life and protects what you’ve worked hard to build.
With Samar I Insurance, you’re not just getting extra coverage—you’re gaining a trusted partner who puts your security first.
Step 1: Contact Us
Email, call, or text us and we'll get a quote started that addresses your needs
Step 2: Add Coverage
Look over your quote and make sure it's ready to become your main policy
Step 3: Peace of Mind
Your policy is active and protecting your assets from life's surprises
Why Is Umbrella Insurance Important?
Umbrella insurance provides extra liability coverage that goes beyond the limits of your home, auto, or business insurance policies. It helps protect your assets in case of major claims or lawsuits involving injury, property damage, or legal expenses. This added protection offers peace of mind—especially if you have significant assets, rental properties, or higher risk exposures.
be ready for all life's moments
We can insure everything that matters to you. All managed by a local agent right here in West Knoxville!
Auto Insurance
Auto insurance provides peace of mind when out on the road knowing
read moreBusiness Insurance
Business insurance protects your company from unexpected losses like property damage, lawsuits,
read moreHome Insurance
Home insurance provides valuable peace of mind knowing that your most valuable
read moreFlood Insurance
Flood insurance is a specialized policy that covers damage to your home
read moreLife Insurance
Life insurance helps make sure your family is financially covered in the
read moreUmbrella Policies
Umbrella insurance provides extra liability coverage that goes beyond the limits of
read moreStart your journey to better insurance here.
Start your journey to better insurance here.
Start your journey to better insurance here.
Start your journey to better insurance here.
We love Samar and her team!!! Samar has great communication skills and a wealth of knowledge about insurance. She is someone you can trust to take great care of you, be there for you and also find you the best rate. She saved us a lot of money by switching to AAA both both home and auto! Highly recommend!
Are You Prepared?
Umbrella insurance provides extra liability coverage that goes beyond the limits
of your home, auto, or business insurance policies.
Umbrella insurance is extra liability coverage that kicks in when the limits of your home, auto, or other primary policies are exhausted. It helps protect your assets from large claims or lawsuits.
Anyone with significant assets, rental properties, teenage drivers, or a higher risk of liability exposure can benefit from umbrella coverage. It’s especially useful if you want added peace of mind and financial protection beyond basic policies.
It covers things like bodily injury, property damage, legal defense costs, and personal liability claims such as libel or slander. It does not cover your own property or business losses unless specified in a separate commercial umbrella policy.
Most umbrella policies start at $1 million in coverage, but higher limits are available. The right amount depends on your net worth, risk level, and how much protection you want beyond your standard policies.
Umbrella insurance is surprisingly affordable, with most $1 million policies costing just a few hundred dollars per year. It's a cost-effective way to gain substantial additional liability protection.
