The top-rated umbrella insurance agent in Des Plaines, Illinois is Insurance Broker Hub, rated 5.0 stars across 424 reviews. Other highly rated options include America's Choice Insurance Agency, Faller Insurance Agency, Essex Insurance Brokers LLC. This directory lists 19 umbrella insurance agents serving Des Plaines.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Insurance Broker Hub | 1400 E Touhy Ave | (833) 983-1631 |
| 2 | America's Choice Insurance Agency | 2720 S River Rd #134 | (708) 453-4312 |
| 3 | Faller Insurance Agency | 2720 S River Rd Suite 132 | (847) 430-3342 |
| 4 | Essex Insurance Brokers LLC | 2340 S River Rd Suite 120C | (847) 954-2222 |
| 5 | Patrick Petrillo: Allstate Insurance | 1539 Market St | (847) 824-4158 |
| 6 | Katarzyna Piatek | 701 Lee St suite 300h | (773) 467-7088 |
| 7 | Insure Now Inc | 782 W Oakton St #B | (847) 758-9512 |
| 8 | Jake Yale - Independent Insurance Agent | 1111 E Touhy Ave # 235 | (847) 612-7354 |
| 9 | Magnum Insurance Agency | 2250 Devon Ave Suite 329 | (888) 539-2102 |
| 10 | Farmers Insurance - Joanna Conley | 628 W Algonquin Rd | (847) 458-1510 |
Insurance Broker Hub serves the Des Plaines, Illinois metro area as a provider of umbrella insurance agency services. Its core work focuses on securing excess liability coverage that extends beyond the limits of standard home and auto policies. This additional layer of protection is designed to pay when a client faces a costly lawsuit or significant claim involving property damage, bodily injury, or personal liability. The agency specifically handles policy selection for high-net-worth individuals and coverage for incidents occurring on residential property.
America's Choice Insurance Agency in Des Plaines, IL, provides umbrella insurance coverage that extends liability protection beyond standard home and auto policies. Clients can access ongoing policy reviews to maintain adequate limits as their assets and exposures change. Service plans include advice on coordinating umbrella policies with underlying coverage to reduce protection gaps. The agency assists property owners with single-family homes, apartments, retail spaces, and restaurants, ensuring that these varied properties and related liabilities are appropriately covered by higher-limit liability policies.
Faller Insurance Agency specializes in securing excess liability coverage through umbrella policies for homeowners and auto owners in Des Plaines, IL. It also serves the general insurance needs of local residents by reviewing existing policy limits. A common service involves helping clients evaluate personal risk exposure when they own property with pools, trampolines, or large dogs. In spring and summer, the agency often advises families hosting gatherings or renting out their homes for short-term stays to prevent a catastrophic damage claim from exceeding standard protection.
Essex Insurance Brokers LLC, located in Des Plaines, IL, provides umbrella insurance coverage either as a one-time policy or through scheduled renewals for ongoing liability protection. The firm assists clients in securing additional liability layers beyond standard home or auto policies. This extra coverage helps protect assets from major claims or lawsuits. Service runs on an as-needed basis, with options available for both single-purchase policies and recurring scheduled updates to maintain continuous coverage.
Patrick Petrillo: Allstate Insurance serves Des Plaines, Illinois, and the surrounding communities, providing umbrella liability insurance policies. This coverage handles claims by offering additional protection beyond standard auto or homeowners limits, safeguarding assets against major lawsuits or accidents. For a typical job, the agent begins by reviewing a client’s existing policies and personal risk factors, then recommends an appropriate policy limit and explains coverage details.
As winter thaws in the Des Plaines area, residents often reassess their liability coverage after the season's snow and ice claims. Katarzyna Piatek provides umbrella insurance policies that extend protection beyond standard home and auto plans. This service helps local homeowners or renters shield assets from major lawsuits that can arise from accidents on their property. After an initial inquiry, the company will schedule a straightforward coverage assessment to review current liability limits and recommend an appropriate umbrella policy amount.
Insure Now Inc in Des Plaines, Illinois, serves homeowners, businesses, and property managers in need of umbrella insurance coverage, providing an additional layer of liability protection above standard policies. This local agency assists clients in securing policies that safeguard assets against major claims and lawsuits, addressing common risks faced by property owners in the region. Coverage extends to neighboring communities throughout Chicago’s northwest suburbs, including nearby Arlington Heights.
Jake Yale - Independent Insurance Agent in Des Plaines, IL, assists clients with liability protection and then expands coverage with umbrella insurance policies for added financial security. This category of insurance extends beyond the limits of standard home and auto policies to cover costly claims or lawsuits. The agent serves commercial sectors such as offices, warehouses, and food service, ensuring these businesses have robust excess liability layers.
Magnum Insurance Agency offers umbrella insurance services in Des Plaines, Illinois, providing supplemental liability coverage that extends beyond standard auto and homeowners policies. This specialty layer helps protect assets against major claims and lawsuits. The agency works with local clients to assess their risk exposure, including liability from property ownership or recreational activities. As winters bring increased slip-and-fall risks from icy walkways, the agency assists homeowners in securing additional protection against such seasonal liability exposures.
Farmers Insurance - Joanna Conley in Des Plaines, IL provides residential umbrella insurance coverage to protect homeowners against liability claims that exceed standard policy limits. It also offers commercial coverage for small businesses facing similar risks throughout the greater Des Plaines area. This agency is available for clients seeking expanded protection from major lawsuits or unforeseen accidents. Follow-up meetings can confirm that policies remain aligned with current assets before regular renewal visits.
What Does an a Umbrella Insurance Agent in Des Plaines Cost?
The cost of an umbrella insurance policy in Illinois typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Rates vary based on your risk profile number of vehicles and property values. Premiums are generally lower if you bundle with your auto or homeowners policy. This is general information not insurance advice.
About umbrella insurance agents in Des Plaines
An umbrella insurance agent in Des Plaines Illinois helps you secure extra liability coverage beyond your standard auto or homeowners policy. Illinois law requires minimum auto liability limits but an umbrella policy can protect your assets from large claims or lawsuits. Local agents understand Cook County risks and can tailor coverage to your needs.
Frequently Asked Questions
What does an umbrella insurance agent in Des Plaines do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides additional coverage above your existing insurance limits. They assess your assets and risks to recommend appropriate coverage amounts. In Illinois this policy typically covers legal defense costs and judgments for claims like bodily injury or property damage.
How much umbrella coverage do I need in Des Plaines Illinois?
Most Illinois agents suggest at least 1 million dollars in umbrella coverage but the right amount depends on your assets income and liability exposure. For example homeowners with a pool or rental property may need more protection. Your agent can calculate a suitable limit based on your personal situation.
Are there Illinois laws that affect umbrella insurance policies?
Yes Illinois follows a comparative fault rule which means your coverage may be reduced if you are partially at fault for an accident. Illinois also has a 2-year statute of limitations for personal injury lawsuits and a 5-year limit for property damage claims. Your umbrella policy would respond to covered claims within these time frames.
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