Umbrella Insurance
An extra layer of liability protection over your home, auto, and boat policies, for the claim that exceeds a standard limit.
An umbrella policy sits above your existing home, auto, and watercraft liability limits and responds when a serious claim exceeds them. It exists for the scenarios nobody plans for: a multi-vehicle accident on 494, a guest badly hurt at the cabin, a boating accident on a crowded July lake. For the cost involved, umbrella coverage is one of the most efficient protections available to families with a home, savings, or a business to protect. Todd reviews your underlying limits first, brings them up to where an umbrella can attach, and then sizes the umbrella to your actual exposure rather than a one-size guess.
What's Included
- Liability protection above underlying policies
- Covers auto, home, boat, and recreational exposures
- Underlying limit review included
- Sized to your actual assets and risks
Umbrella Insurance Service Areas
We provide umbrella insurance services across the northwest Twin Cities metro.
Frequently Asked Questions
Who actually needs an umbrella policy?
If you own a home, have retirement savings, employ people, have a teenage driver, or own a boat, you have something a large liability judgment could reach. The question Todd asks is simple: could a bad day cost more than your current limits? For most established households, yes.
Does an umbrella policy cover my boat and ATV too?
Generally an umbrella can extend over scheduled recreational exposures like boats and ATVs when the underlying policies are in place. That coordination is exactly why having one agent across all your policies matters.
How big should an umbrella policy be?
It should bear some relationship to what you have to protect: home equity, savings, future income. Todd walks through your picture and shows options at different levels so the choice is deliberate.
Other Services
Homeowners Insurance
Coverage for your house that reflects what it would actually cost to rebuild it in Minnesota, reviewed with you line by line.
Learn more →Personal Auto Insurance
Auto coverage built for Minnesota driving: deer on Highway 55, icy commutes, and liability limits that actually protect what you own.
Learn more →Commercial Auto Insurance
Coverage for work trucks, vans, and trailers. If the vehicle earns money, it needs a policy written for that job.
Learn more →Business Owners Policy (BOP)
Property and liability basics bundled into one policy for small Minnesota businesses. Practical protection without the enterprise price tag.
Learn more →