Umbrella Insurance
An extra layer of liability protection that sits above your home, auto, and boat policies.
When a serious claim runs past the liability limits on your home or auto policy, everything you have built is exposed. An umbrella policy adds another layer of liability protection above those underlying policies, typically starting at one million dollars. Todd recommends umbrellas for families with home equity, savings, rental property, boats, teenage drivers, or anything else that raises either their assets or their exposure. It is one of the most cost-efficient coverages in the personal lines world, and Todd will show you exactly how it stacks on top of what you already carry.
What Todd looks at
- Liability limits above home and auto
- Covers boat and recreational liability
- Protects savings, home equity, and future income
- Coordinated with your underlying policies
Not sure what you are carrying today? Send Todd your current declarations page and he will read it back to you in plain language.
Call (612) 500-5215Where Todd writes umbrella insurance
Todd writes umbrella insurance across the northwest Twin Cities metro.
Questions Todd gets asked.
Who actually needs an umbrella policy?
Anyone whose assets or exposure outrun their base policy limits. A home with equity, a teenage driver, a boat on the lake, a dog, a bonfire pit where friends gather: each one raises the ceiling on what a bad day could cost. Todd looks at your whole picture and tells you whether an umbrella earns its premium in your case.
Does an umbrella require certain limits on my home and auto policies?
Yes. Umbrella carriers require minimum underlying liability limits on your home and auto policies before the umbrella attaches. Todd checks your current limits and closes any gap so the layers connect without daylight between them.
Other coverage Todd writes.
Homeowners Insurance
Homeowners coverage built for Minnesota weather: hail, straight-line wind, winter storms, ice dams, and frozen pipes.
Learn morePersonal Auto Insurance
Auto coverage for real Minnesota driving: deer on the county roads, ice on the freeway, and hail in the driveway.
Learn moreCommercial Auto Insurance
Coverage for the trucks, vans, and pickups that do the work: contractors, trades, and service businesses across the metro.
Learn moreBusiness Owners Policy (BOP)
Property, liability, and business income bundled into one policy sized for Minnesota small businesses.
Learn more