Umbrella Insurance
An extra layer of liability protection above your home, auto, and boat policies, usually for less than you expect.
An umbrella policy adds liability protection above the limits on your home, auto, boat, and other policies. If a serious accident or injury claim ever exceeds those limits, the umbrella is what stands between the claim and your savings. For families with teen drivers, lake property, boats, or simply assets worth protecting, it is one of the most cost-effective policies Todd writes. He coordinates it with your underlying coverage so there are no gaps between the layers.
What's Included
- Coverage typically starting at $1 million
- Sits above home, auto, and boat policies
- Coordinated underlying limits
- Modest annual cost for the protection
Umbrella Insurance Service Areas
Todd writes umbrella insurance across the northwest Twin Cities metro.
Frequently Asked Questions
Who actually needs an umbrella policy?
Anyone whose assets exceed their liability limits, which is more people than expect it. Homeowners, boat owners, and parents of teen drivers are the usual candidates. Todd can tell you in one conversation whether it makes sense for you.
How much does umbrella coverage cost?
Cost depends on what sits underneath it: your vehicles, drivers, properties, and toys. It is usually modest relative to the protection, and Todd will quote your actual situation rather than a generic figure.
Does an umbrella cover my boat and ATV too?
It can, as long as the underlying policies meet the umbrella's required limits. This coordination is exactly why it helps to have one agent who can see all your policies together.
Other Services
Homeowners Insurance
Coverage matched to Minnesota houses: hail, wind, ice dams, and frozen pipes, with the deductibles explained in plain English.
Learn more →Personal Auto Insurance
Auto coverage for Minnesota driving: winter roads, deer on the county highways, and commutes on 494 and 169.
Learn more →Commercial Auto Insurance
Trucks, vans, and work vehicles covered properly, whether you run one pickup or a small fleet across the metro.
Learn more →Business Owners Policy (BOP)
Property and liability coverage bundled for small Minnesota businesses, from shops and offices to trades.
Learn more →