The top-rated umbrella insurance agent in Coeur d'Alene, Idaho is Redman & Company Insurance Inc., rated 4.8 stars across 224 reviews. Other highly rated options include Flathead Insurance Coeur d'Alene Insurance, 1st Choice Insurance Brokers, LLC, Dirks Insurance Group, LLC. This directory lists 18 umbrella insurance agents serving Coeur d'Alene.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Redman & Company Insurance Inc. | 1410 S Lincoln Wy STE 100 | (208) 664-5263 |
| 2 | Flathead Insurance Coeur d'Alene Insurance | 350 E Kathleen Ave #300 | (208) 667-7485 |
| 3 | 1st Choice Insurance Brokers, LLC | MAILING ADDRESS ONLY, 174 E Neider Ave #36 | (208) 758-8050 |
| 4 | Dirks Insurance Group, LLC | 1003 E Best Ave | (208) 664-9272 |
| 5 | Marsh McLennan Agency | 601 E Front Ave STE 502 | (208) 667-9406 |
| 6 | Panhandle Insurance | 1103 E Best Ave a | (208) 664-9223 |
| 7 | Pacific Crest Insurance - Coeur d'Alene | 402 W Canfield Ave # 2 | (208) 714-4251 |
| 8 | Miles Insurance Team | 1110 W Ironwood Dr | (208) 765-6849 |
| 9 | AAA Washington Insurance Agency - Coeur d'Alene, Idaho | 296 W Sunset Ave Ste 33 | (877) 222-4678 |
| 10 | Goosehead Insurance - Mitch Krupp | 1052 W Mill Ave Office 3 | (208) 593-3525 |
Redman & Company Insurance Inc. serves clients in Coeur d'Alene and surrounding regions of Kootenai County as an umbrella insurance agent. Its core work is to provide excess liability coverage that extends protection beyond the limits of standard homeowners and auto policies. This type of insurance can help guard against major claims and lawsuits that might otherwise threaten personal assets. The company assists local clients in evaluating their overall risk exposure. Specific services include reviewing existing policies to determine appropriate additional coverage levels and facilitating that extended liability protection.
Flathead Insurance Coeur d'Alene Insurance provides umbrella insurance agency services for clients in Coeur d’Alene, Idaho, focusing on excess liability coverage that extends beyond standard policy limits. Its service approach includes policy reviews to assess risk exposure and plan adjustments to maintain appropriate coverage over time. Clients can discuss typical liability scenarios and receive recommendations for adding layers of protection. The agency serves a range of properties, including single-family homes, apartments, retail spaces, and restaurants.
1st Choice Insurance Brokers, LLC serves homeowners, businesses, and property managers throughout Coeur d'Alene, Idaho, offering umbrella insurance policies that provide extra liability coverage beyond standard home or auto limits. These additional layers of protection help safeguard personal assets and business interests against large claims or lawsuits. The agency also assists local landlords and rental property owners in securing broader liability coverage for their investment properties. Services extend to residents and commercial clients in the neighboring community of Hayden.
Dirks Insurance Group, LLC offers specialized umbrella insurance coverage, providing an additional layer of liability protection beyond standard home and auto policies. The agency serves clients throughout the Coeur d'Alene, Idaho area with professional guidance on securing supplementary liability limits to safeguard personal assets. Its advisors help policyholders evaluate potential risks associated with everyday activities, such as hosting guests or owning recreational vehicles. Many local residents seek these policies during the winter months, when higher risks of slip-and-fall incidents on icy properties increase the need for extra liability coverage.
Marsh McLennan Agency in Coeur d'Alene, Idaho, offers umbrella insurance clients a choice between a one-time policy for a single liability need or a recurring service for continuous coverage across multiple underlying policies. This added layer of protection extends liability limits beyond standard home and auto policies, covering major claims and legal costs. Umbrella insurance safeguards local assets by providing broad, excess liability coverage after primary limits are exhausted. Service at this agency is available on an as-needed basis, allowing clients to purchase or adjust coverage when their circumstances change.
As the snow melts and spring runoff swells the lakes around Coeur d'Alene, homeowners often review their liability coverage for added protection. Panhandle Insurance serves as an umbrella insurance agent in this region, helping clients secure extra layers of liability coverage beyond standard policies. The agency advises on how personal liability limits can apply to properties near water or wooded areas. An initial assessment of current auto and homeowners policies typically begins with a quick inspection of existing coverage and personal assets.
Pacific Crest Insurance - Coeur d'Alene provides comprehensive personal and commercial liability protection that extends beyond standard policy limits. The company also specializes in umbrella insurance coverage, offering an additional layer of financial security for its clients in the Coeur d'Alene area. This extra policy helps safeguard assets against major claims and lawsuits that could otherwise exceed primary coverage. Pacific Crest Insurance serves a variety of commercial sectors, including offices, warehouses, and food service businesses.
Miles Insurance Team in Coeur d'Alene, Idaho specializes in residential umbrella insurance, providing clients with added liability protection beyond standard homeowner policies. The agency also offers commercial umbrella coverage tailored to area businesses. Their service covers Coeur d'Alene and the surrounding Kootenai County region. Clients benefit from clear explanations of coverage limits and the peace of mind that comes with an extra layer of financial security. The team encourages clients to schedule coverage reviews during annual policy discussions, ensuring policies stay current between regular property visits.
AAA Washington Insurance Agency in Coeur d'Alene, Idaho, serves clients across Coeur d'Alene and surrounding communities in Kootenai County. It handles umbrella insurance policies that provide extra liability coverage beyond standard homeowners and auto policies, protecting personal assets and future earnings. To complete a typical job, the agency begins with a thorough review of a client’s existing coverage limits and potential risk exposure, then clearly explains how umbrella policy layers function and recommends an appropriate liability level.
What Does an a Umbrella Insurance Agent in Coeur d'Alene Cost?
The cost of umbrella insurance in Idaho typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 600 dollars annually. Your premium depends on your underlying policies, number of vehicles, and personal risk factors. This is general information and not insurance advice.
About umbrella insurance agents in Coeur d'Alene
Umbrella insurance agents in Coeur d Alene help residents secure extra liability coverage beyond standard home and auto policies. Idaho law does not require umbrella insurance, but it can protect your savings and future earnings from large lawsuits. Local agents understand the risks of lakefront properties and outdoor recreation common in North Idaho.
Frequently Asked Questions
What does umbrella insurance cover in Idaho?
Umbrella insurance covers liability claims that exceed your underlying policy limits, such as bodily injury or property damage. It also covers some claims not included in standard policies, like false arrest or slander. Idaho courts can award large judgments, making extra coverage valuable.
How much umbrella insurance do I need in Coeur d Alene?
Most agents recommend at least 1 million dollars in coverage, especially if you own a home, a boat, or have significant assets. Idaho law allows plaintiffs to seek damages for medical costs, lost wages, and pain and suffering. An agent can help you choose a limit based on your net worth and risk factors.
Can I get umbrella insurance if I have a rental property in Idaho?
Yes, umbrella insurance typically covers personal liability from rental properties you own. Idaho landlords face risks from tenant injuries or property damage. You must first have adequate liability coverage on your rental property policy before adding an umbrella layer.
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