The top-rated umbrella insurance agent in St. Charles, Illinois is Bill Nelson - State Farm Insurance Agent, rated 5.0 stars across 311 reviews. Other highly rated options include Chris Knapp - State Farm Insurance, Better Choice Insurance Group, Giuseppe Mastrolonardo Agency Inc American Family Insurance. This directory lists 20 umbrella insurance agents serving St. Charles.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bill Nelson - State Farm Insurance Agent | 1309 W Main St | (630) 443-5100 |
| 2 | Chris Knapp - State Farm Insurance | 1103 W Main St | (630) 584-8500 |
| 3 | Better Choice Insurance Group | 300 Cardinal Dr #220 | (847) 908-5665 |
| 4 | Giuseppe Mastrolonardo Agency Inc American Family Insurance | 303 E Main St Uppr 1 | (630) 295-8514 |
| 5 | Relation Insurance - Joseph M. Wiedemann & Sons Inc | 303 E Main St STE B | (847) 228-8400 |
| 6 | Sergio Nava at Comparion Insurance Agency | 2570 Foxfield Rd Suite 202 | (630) 791-6440 |
| 7 | Rosenberg Insurance & Financial | 1121 E Main St Suite 200 | (630) 576-0009 |
| 8 | MLD Agency Inc. | 333 N Randall Rd Ste 28 | (630) 845-8678 |
| 9 | Asim Hamidi: Allstate Insurance Saint Charles IL | 2020 Dean St STE J | (630) 225-9325 |
| 10 | Hazen Insurance Agency, Inc. | 1100 W Main St STE B | (630) 485-5100 |
Bill Nelson - State Farm Insurance Agent serves the St. Charles, Illinois metro area as an umbrella insurance agent, providing liability coverage that extends beyond the limits of standard auto and homeowners policies. This protection helps safeguard personal assets against major claims or lawsuits. Clients in this region work with the agency to assess their risk exposure and secure appropriate umbrella policies for added financial security. The agency also handles related insurance services, including home and auto policy reviews to coordinate comprehensive liability solutions.
Chris Knapp - State Farm Insurance in St. Charles, IL, offers umbrella insurance agent services that extend personal liability coverage beyond standard home and auto policies. Service plans involve periodic policy reviews to ensure adequate coverage limits and coordination with underlying insurance, along with risk assessment consultations for clients. Maintenance plans include annual updates to adjust for asset changes and inflation. The agent services single-family homes, apartments, retail properties, and restaurants needing elevated liability protection against large claims.
Better Choice Insurance Group serves homeowners, businesses, and property managers in St. Charles, Illinois, who require personal umbrella liability protection beyond standard policy limits. The agency helps clients secure additional coverage for unexpected accidents, legal defense costs, or property damage claims that exceed underlying insurance. By structuring excess liability policies to layer over existing homeowners and auto insurance, it fills gaps that could otherwise expose personal or business assets to significant risk. Its services also extend to covering rental property owners and families in the Batavia area.
Giuseppe Mastrolonardo Agency Inc American Family Insurance serves the St. Charles, Illinois area and surrounding communities, providing umbrella insurance policies that extend extra liability coverage beyond standard homeowners and auto plans. The agency helps clients protect assets against major claims or lawsuits. For a typical job, it analyzes a client’s existing insurance limits and personal risk exposure, then customizes a policy to fill potential gaps in coverage.
Relation Insurance - Joseph M. Wiedemann & Sons Inc in St. Charles, IL provides umbrella liability insurance as a one-time coverage option for individuals seeking an extra layer of protection beyond standard policies or as a recurring annual renewal for ongoing high-net-worth asset safeguarding. These policies extend coverage limits over homeowners and auto insurance, addressing liability claims that could otherwise exceed primary boundaries. Service arrangements for this local agent’s umbrella insurance consultations and policy management are available on an as-needed basis, allowing clients to request support when fortifying their personal liability defenses.
Sergio Nava at Comparion Insurance Agency specializes in providing umbrella insurance policies that extend liability coverage beyond standard home and auto protections. In St. Charles and surrounding areas, it assists clients in securing an extra layer of financial safety against major claims or lawsuits. The agency guides individuals in assessing their unique risk exposure, offering steady service to homeowners, drivers, and small business owners. As winter approaches, it helps clients review coverage limits ahead of potential ice-related or guest-injury incidents on residential properties.
Rosenberg Insurance & Financial serves St. Charles, Illinois, residents seeking protection for their personal assets through umbrella liability policies. The agency also assists local business owners in extending commercial coverage beyond primary insurance limits, helping safeguard larger holdings or property exposures across the region. Clients benefit from tailored risk assessments that address common vulnerabilities in suburban settings, such as home-based incidents or auto-related claims. After an initial policy is set, the agency remains available for periodic renewals and policy reviews to adjust limits between regular scheduled visits.
Asim Hamidi: Allstate Insurance Saint Charles IL provides personal and commercial insurance coverage for clients in St. Charles and the surrounding region. As an umbrella insurance agent, the agency offers supplementary liability protection that extends beyond the limits of standard homeowners and auto policies, safeguarding policyholders against major claims and lawsuits. This business serves a variety of commercial sectors, including professional offices, warehouses, and food service operations.
Hazen Insurance Agency, Inc. in St. Charles, IL is known for helping clients secure personal liability protection that extends beyond standard home and auto policies. Its service range covers individuals and families seeking an extra layer of financial defense against major claims and lawsuits common to the area. Clients work with an agent to evaluate their assets and adjust the coverage amount accordingly. A specialty service this agency can add on is protection against libel, slander, and other personal injury claims not included in basic umbrella policies.
What Does an a Umbrella Insurance Agent in St. Charles Cost?
Umbrella insurance in Illinois typically costs between 150 and 300 dollars per year for 1 million dollars in coverage. Additional million-dollar increments may cost 75 to 150 dollars each. Costs vary based on your risk profile number of vehicles and property owned. This is general information and not insurance advice.
About umbrella insurance agents in St. Charles
Umbrella insurance agents in St. Charles Illinois help residents secure extra liability coverage beyond standard home and auto policies. Illinois law does not require umbrella insurance but it can protect assets from large claims or lawsuits. Local agents understand the specific risks for homeowners and drivers in the Fox River Valley area.
Frequently Asked Questions
What does an umbrella insurance agent in St. Charles do?
An umbrella insurance agent helps you assess your personal liability risks and recommends a policy that adds extra coverage above your existing home and auto limits. They guide you through policy options and ensure you meet Illinois minimum underlying coverage requirements.
How much umbrella coverage do I need in Illinois?
Most agents recommend at least 1 million dollars in umbrella coverage for Illinois homeowners. The amount depends on your assets income and potential liability risks such as owning a pool or rental property.
Can I get umbrella insurance if I have a teenage driver in Illinois?
Yes you can often get umbrella insurance with a teenage driver but the cost may be higher. Illinois law requires all drivers to carry minimum liability insurance and umbrella policies typically require higher underlying limits for young drivers.
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