Fredericksburg has 28,873 residents in 11,720 households. We list 22 agencies for umbrella insurance in Fredericksburg. Here is what the local numbers say about the cover people here need.

Fredericksburg at a glance

22umbrella insurance agencies listed
60.3%of households rentRenters insurance
$483,700median home valueHome insurance
1986median year homes were builtRebuild cost calculator
9.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Car insurance rules in Virginia

Virginia requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $25,000 of property damage liability, often written 50/100/25. It also requires uninsured and underinsured motorist coverage ($50,000 per person, $100,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Fredericksburg How much liability cover do you need?

Source: law.lis.virginia.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies Fredericksburg agencies work with

Of the 22 Fredericksburg agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

GEICO20 agencies
Aetna1 agency
Allstate1 agency
American Modern1 agency
Chubb1 agency
Dairyland1 agency
Equitable Financial Life Insurance Company1 agency
Foremost1 agency
GAINSCO1 agency
Home State1 agency

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Fredericksburg agencies are

Fredericksburg agencies we list sit in 3 ZIP codes, mostly in Stafford County.

2240620 agencies
224011 agency
224071 agency

Questions

Umbrella insurance in Fredericksburg

All insurance agencies in Fredericksburg · Umbrella insurance across Virginia

Where can I find umbrella insurance in Fredericksburg?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Which insurance companies do Fredericksburg agencies work with?

Among the 22 Fredericksburg agencies whose appointments we hold, the companies they are most often appointed with are GEICO (20), Aetna (1), Allstate (1), American Modern (1), Chubb (1). An appointed agency can quote that company's policies.

Do I need flood insurance in Fredericksburg?

FEMA's National Risk Index rates inland flooding risk in Stafford County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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