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Find Umbrella Insurance Agents Near You in McHenry, IL

Browse umbrella insurance agents serving McHenry, Illinois. Updated 2026-07-14.

The top-rated umbrella insurance agent in McHenry, Illinois is Dave Homan - State Farm Insurance Agent, rated 4.8 stars across 131 reviews. Other highly rated options include Ryan P. Conway Agency, LLC, HealthMarkets Insurance - Santos Agency, Reese Insurance Group. This directory lists 17 umbrella insurance agents serving McHenry.

Showing 17 umbrella insurance agents in McHenry, ILListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Dave Homan - State Farm Insurance Agent4929 W Elm St(815) 669-5359
2Ryan P. Conway Agency, LLC3322 W Elm St(815) 344-1600
3HealthMarkets Insurance - Santos Agency1222 N Green St(815) 271-5438
4Reese Insurance Group805 Front St(815) 385-6541
5John Sutton - State Farm Insurance Agent3424 W Elm St(815) 344-6444
6Petra Kinnerk American Family Insurance402 Front St Ste A(815) 385-2304
7Bill Colbert - State Farm Insurance Agent339 Front St(815) 385-4080
8Illinois Auto Quote1330 Riverside Dr(815) 363-8100
9Jason Shreeves - COUNTRY Financial Representative607 Front St(815) 344-2626
10Brett Ostertag - COUNTRY Financial Representative4302 W Crystal Lake Rd Unit F(847) 245-9963
DH
4929 W Elm St
Dave Homan - State Farm Insurance Agent
Umbrella Insurance Agent · McHenry, IL

Dave Homan - State Farm Insurance Agent serves the McHenry, Illinois area as a provider of umbrella insurance coverage. This agent offers personal umbrella policies designed to extend liability protection beyond the limits of standard home and auto insurance. Such coverage can help safeguard clients’ assets from major claims or lawsuits. An umbrella insurance agent in this region helps residents evaluate their risk exposure to ensure adequate financial protection. The agency handles both new policy setup and periodic coverage reviews for existing McHenry clients.

RP
3322 W Elm St
Ryan P. Conway Agency, LLC
Umbrella Insurance Agent · McHenry, IL

Ryan P. Conway Agency, LLC provides personal and commercial umbrella insurance services to clients throughout the McHenry area. The agency offers guidance on obtaining additional liability coverage beyond standard policies, helping protect savings and future earnings from major claims. Service delivery typically includes an initial consultation to evaluate current coverage and a policy review process that operates without local brick-and-mortar restrictions. Maintenance support consists of annual check-ins to adjust coverage limits as circumstances change. This firm serves properties including single-family homes, apartments, retail locations, and restaurants.

HI
1222 N Green St
HealthMarkets Insurance - Santos Agency
Umbrella Insurance Agent · McHenry, IL

HealthMarkets Insurance - Santos Agency serves local homeowners, businesses, and property managers by helping them secure umbrella insurance policies that provide additional liability coverage beyond standard limits. The agency assists clients in assessing their personal risk exposure and choosing appropriate excess liability protections for their assets. Its services include reviewing existing policies to identify coverage gaps and guiding clients through the policy selection process with clear explanations. The agency also covers neighboring communities throughout McHenry County and the greater Crystal Lake area in Illinois.

RI
805 Front St
Reese Insurance Group
Umbrella Insurance Agent · McHenry, IL

Reese Insurance Group serves the greater McHenry area and surrounding northern Illinois communities, handling comprehensive umbrella insurance policies. These policies extend liability coverage beyond standard homeowners and auto insurance limits, protecting clients from major claims and lawsuits. The agency provides this critical safety net for local residents, assisting in safeguarding assets and future earnings. Reese Insurance Group typically begins each job by evaluating a client's existing coverage and risk exposure to determine the appropriate level of supplemental liability protection.

JS
3424 W Elm St
John Sutton - State Farm Insurance Agent
Umbrella Insurance Agent · McHenry, IL

John Sutton’s agency in McHenry, Illinois, provides umbrella insurance to homeowners, businesses, and property managers seeking additional liability coverage beyond standard policies. These policies extend protection for major claims or lawsuits, offering clients greater financial security against unexpected losses. Serving McHenry residents and commercial clients, the office also works with owners of rental properties. John Sutton - State Farm Insurance Agent similarly serves the nearby community of Johnsburg and the greater Crystal Lake area to the south.

PK
402 Front St Ste A
Petra Kinnerk American Family Insurance
Umbrella Insurance Agent · McHenry, IL

Petra Kinnerk American Family Insurance in McHenry, IL, offers umbrella insurance that extends liability coverage beyond standard policies, protecting assets from major claims or lawsuits. One-time appointments allow clients to assess their coverage needs and adjust policies as circumstances change, while scheduled service ensures regular policy reviews without requiring a separate call. Ongoing support for claims or coverage questions is available on an as‑needed basis, meaning clients can schedule assistance only when a specific issue arises rather than committing to a recurring calendar.

BC
339 Front St
Bill Colbert - State Farm Insurance Agent
Umbrella Insurance Agent · McHenry, IL

Bill Colbert, a local umbrella insurance agent in McHenry, IL, offers specialized supplemental liability coverage that extends beyond standard homeowners and auto policies. This additional layer of protection assists clients in safeguarding their personal assets against major claims or lawsuits. The agency also provides general consultation on insurance needs, helping residents understand how umbrella policies complement existing coverage. During the winter months, it helps McHenry homeowners address increased liability risks from icy walkways and snow-related accidents on their property.

IA
1330 Riverside Dr
Illinois Auto Quote
Umbrella Insurance Agent · McHenry, IL

As fall storms bring sudden hail and unforecasted property damage across McHenry County, Illinois Auto Quote helps homeowners assess the need for additional financial protection beyond standard policies. An umbrella insurance agent in McHenry, Illinois explains how a single claim can exceed a normal liability limit, leaving personal assets exposed. Their guidance focuses on matching coverage to a client’s total net worth and future earnings. A policy review begins with a no-commitment inspection of existing homeowner and auto liability ceilings.

JS
607 Front St
Jason Shreeves - COUNTRY Financial Representative
Umbrella Insurance Agent · McHenry, IL

Jason Shreeves - COUNTRY Financial Representative in McHenry, IL provides financial protection services to local individuals and businesses. As an umbrella insurance agent, the company offers added liability coverage that extends beyond standard policy limits, helping clients safeguard assets from major claims or lawsuits. This extra layer of protection can cover legal fees and damages not addressed by existing policies. The firm serves various commercial sectors, including offices, warehouses, and food service operations in the region.

BO
4302 W Crystal Lake Rd Unit F
Brett Ostertag - COUNTRY Financial Representative
Umbrella Insurance Agent · McHenry, IL

Brett Ostertag - COUNTRY Financial Representative provides umbrella insurance agent services for residential properties in McHenry, Illinois. Commercial coverage is also available for local businesses seeking added liability protection beyond standard policies, serving clients throughout the McHenry area. The agency helps residents and business owners assess their risk exposure to secure appropriate umbrella policies. Follow-up consultation between regular visits ensures coverage remains aligned with changing asset and liability needs.

GT
1307 Riverside Dr
GEORGE THOMPSON INSURANCE AGENCY, INC.
Umbrella Insurance Agent · McHenry, IL
(815) 385-1066
thompsoninsurance.com
BZ
5459 Bull Valley Rd
Belcore-Zogman Mary Jo
Umbrella Insurance Agent · McHenry, IL
(779) 228-4151
allinsurancesavings.com
BR
1500 S Illinois Rte 31 #200
Beth & Rudnicki Insurance Agency, Inc.
Umbrella Insurance Agent · McHenry, IL
(815) 385-7630
brinsurance.net
LI
4318 W Crystal Lake Rd Suite D
Lowenheim Insurance Agency, LLC
Umbrella Insurance Agent · McHenry, IL
(815) 385-7831
lowenheiminsurance.com
AI
5459 Bull Valley Rd
All Insurance Services
Umbrella Insurance Agent · McHenry, IL
(815) 344-2345
allinsurancesavings.com
FI
3509 W Elm St
Farmers Insurance - Michael Podpora
Umbrella Insurance Agent · McHenry, IL
(815) 363-7505
agents.farmers.com/il/mchenry/michael-podpora
AI
5459 Bull Valley Rd
All Insurance Services Inc: Wallner Jessica
Umbrella Insurance Agent · McHenry, IL
(815) 344-2345
allinsurancesavings.com

What Does an a Umbrella Insurance Agent in McHenry Cost?

The cost of an umbrella insurance policy in Illinois typically ranges from 150 to 300 per year for 1 million in coverage. Each additional million may cost 50 to 100 more. Premiums vary based on your risk factors such as number of vehicles, driving record, and property features. This is general information and not insurance advice.

About umbrella insurance agents in McHenry

An umbrella insurance agent in McHenry Illinois helps you secure additional liability coverage that goes beyond your auto or homeowners policy limits. Illinois law requires minimum auto liability coverage of 25,000 per person and 50,000 per accident, but an umbrella policy can provide 1 million or more in extra protection. This is especially valuable in McHenry County where property values and legal costs can be high.

Frequently Asked Questions

What does an umbrella insurance agent in McHenry do?

An umbrella insurance agent in McHenry helps you assess your personal liability risks and find a policy that covers claims above your standard insurance limits. They work with multiple carriers to match coverage to your assets and lifestyle.

Who needs umbrella insurance in Illinois?

Anyone with significant assets such as a home, savings, or future income should consider umbrella insurance. In Illinois, if you own a rental property or have a swimming pool, your risk of a large liability claim increases and umbrella coverage becomes more important.

How much umbrella coverage do I need in McHenry County?

Most Illinois agents recommend at least 1 million in umbrella coverage. The exact amount depends on your net worth, income, and potential risks. An agent can help you calculate the right limit based on your personal situation.

Umbrella Insurance Agents in Other Illinois Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.