The top-rated umbrella insurance agent in Moline, Illinois is Chad Cruse - State Farm Insurance Agent, rated 4.8 stars across 226 reviews. Other highly rated options include Farmers Insurance - David Williams, Goosehead Insurance - Rose & Carlos Gomez, Derek Newton: Allstate Insurance. This directory lists 20 umbrella insurance agents serving Moline.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Chad Cruse - State Farm Insurance Agent | 1922 7th St Suite 201 | (309) 736-9337 |
| 2 | Farmers Insurance - David Williams | 2800 41st St | (309) 762-8100 |
| 3 | Goosehead Insurance - Rose & Carlos Gomez | 2928 Avenue of the Cities | (309) 402-0118 |
| 4 | Derek Newton: Allstate Insurance | 3311 Avenue of the Cities | (309) 797-9355 |
| 5 | Marcussen Insurance | 2721 16th St | (309) 764-6850 |
| 6 | Goosehead Insurance - Pat Moody | 4720 Avenue of the Cities | (309) 740-2272 |
| 7 | Nelson Brothers Agency | 1701 52nd Ave | (309) 762-4173 |
| 8 | Bill Potter Insurance Agency, LLC | 3811 16th St | (309) 797-9200 |
| 9 | Freedom Insurance Group | 3000 16th St Suite 101 | (309) 323-9963 |
| 10 | Shelter Insurance - Angela Byrge | 4300 12th Ave Ste 4 | (309) 797-6898 |
Chad Cruse - State Farm Insurance Agent serves the Moline, Illinois metro area as an umbrella insurance agent. This agency provides general liability coverage that extends beyond the limits of standard homeowners and auto policies. Umbrella insurance helps protect clients from major claims and lawsuits by offering an additional layer of financial security. The office handles the underwriting and servicing of personalized umbrella policies. It also assists with policy updates and claim guidance for umbrella insurance needs.
Farmers Insurance - David Williams provides umbrella insurance agent services to clients in Moline, IL, offering excess liability coverage that extends beyond standard policy limits for added financial protection. The agent works with policyholders to review existing auto, home, and watercraft policies, identifying potential gaps and recommending appropriate coverage levels. Service includes annual policy reviews to adjust limits as needs change. This agency helps shield assets for single-family homes, apartments, retail locations, and restaurants.
Goosehead Insurance - Rose & Carlos Gomez serves the Moline, Illinois area and surrounding communities, specializing in umbrella insurance coverage that extends liability protection beyond standard home and auto policies. Their work with clients in this region involves assessing the risks unique to local households and properties. To handle a typical job, the agency follows a careful evaluation of each client’s existing coverage and potential exposure, then recommends an appropriate umbrella policy limit and coordinates its implementation with underlying insurers.
Derek Newton: Allstone Insurance serves homeowners, businesses, and property managers in Moline, Illinois, who require additional liability protection through umbrella insurance policies. These policies extend coverage limits beyond standard home or auto plans, helping to safeguard assets against large claims or lawsuits. The agency provides guidance on assessing personal liability exposure and tailoring coverage to meet specific risk needs. Services also include policy review and adjustments to ensure proper integration with existing primary insurance. The company further assists clients across the greater Quad Cities metro area, including neighboring Bettendorf, Iowa.
Marcussen Insurance in Moline, IL offers a choice between one-time policy setup and recurring service for ongoing protection. Their work focuses on umbrella coverage that provides additional liability limits beyond standard home and auto policies, safeguarding against major claims or lawsuits in the local area. They do not provide bundled or all-in-one coverages, but rather specialize in this specific layer of personal risk management. Service is available on a scheduled or as-needed basis depending on the client's policy and renewal cycle.
Goosehead Insurance - Pat Moody specializes in umbrella insurance agent services in Moline, IL. This agency helps clients obtain extra liability coverage that extends beyond standard home and auto policies. It provides general assistance for individuals and families seeking broader financial protection against unexpected lawsuits or large claims. When severe summer storms or winter ice create hazards on local properties, the agency assists with securing additional liability safeguards against potential accidents or injuries.
With Moline’s changing seasons bringing sudden hailstorms and unexpected flood risks, property owners need reliable protection against liability gaps. Nelson Brothers Agency serves local residents and businesses as an umbrella insurance agent, offering extra layers of coverage that extend beyond standard home or auto policies. They assess each client’s existing limits to identify vulnerabilities, then match them with appropriate umbrella options for greater financial security. This process begins with a straightforward consultation and review of current insurance documents.
Bill Potter Insurance Agency, LLC works as an umbrella insurance agent in the Moline, Illinois area, offering liability coverage that extends beyond standard policy limits for added protection. The company specializes in providing surplus layers of insurance that protect assets when underlying policies reach their maximum payout. Its services can apply to commercial operations such as offices, warehouses, and food service establishments.
Freedom Insurance Group in Moline, IL provides residential umbrella insurance to protect homeowners from major liability claims and lawsuits. Their commercial coverage extends similar protection for local businesses, serving clients throughout the Quad Cities area. Agents review existing policies to identify coverage gaps and secure additional limits. After an initial consultation, they follow up to address any questions and adjust policies as personal or business circumstances change, offering repeat service between regular visits.
Shelter Insurance - Angela Byrge offers umbrella insurance policies in Moline, Illinois, providing an additional layer of liability protection that extends beyond standard home and auto coverage. This service helps clients safeguard their assets and future earnings against major claims or lawsuits. Common umbrella insurance needs addressed include covering legal fees or medical costs that exceed normal policy limits. As a local agent, it can also assist with bundling umbrella coverage alongside an existing homeowner's policy.
What Does an a Umbrella Insurance Agent in Moline Cost?
In Illinois, umbrella insurance typically costs between 150 and 300 dollars per year for one million dollars in coverage. Additional millions of coverage may cost 50 to 100 dollars each per year. Your actual premium depends on your underlying policies, risk factors, and the insurance company. This is general information and not insurance advice.
About umbrella insurance agents in Moline
An umbrella insurance agent in Moline, Illinois can help you add a layer of liability protection above your auto and homeowners policies. Illinois law allows umbrella policies to cover certain legal defense costs and judgments that exceed underlying policy limits. For Moline residents, this extra coverage can be important given the area's active community and potential for accidents on the Mississippi River or local roads.
Frequently Asked Questions
What does an umbrella insurance agent in Moline do?
An umbrella insurance agent in Moline helps you assess your personal liability risks and find a policy that provides coverage above your existing auto and home insurance. They explain policy terms, exclusions, and how the coverage applies to Illinois-specific situations like dog bites or slip and fall claims.
How much umbrella coverage do I need in Illinois?
The amount of umbrella coverage you need depends on your assets and income. Many Illinois agents recommend at least one million dollars in coverage to protect against major lawsuits. A local Moline agent can review your financial situation and suggest an appropriate limit.
Does Illinois law require umbrella insurance?
Illinois does not require umbrella insurance by law. However, it can be a smart choice for those with significant assets or high liability risks. An agent in Moline can explain how umbrella policies interact with Illinois minimum auto liability requirements.
Umbrella Insurance Agents in Other Illinois Cities
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