The top-rated umbrella insurance agent in Johnston, Iowa is The Avanti Group - Bales Insurance Team, rated 5.0 stars across 211 reviews. Other highly rated options include Glenn A Waterhouse III - State Farm Insurance Agent, Heartland Retirement Group, Shelter Insurance - Jennifer Conard. This directory lists 13 umbrella insurance agents serving Johnston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Avanti Group - Bales Insurance Team | 5700 Merle Hay Rd | (515) 697-3864 |
| 2 | Glenn A Waterhouse III - State Farm Insurance Agent | 5441 NW 86th St #100 | (515) 223-5566 |
| 3 | Heartland Retirement Group | 9245 Northpark Dr | (515) 278-2077 |
| 4 | Shelter Insurance - Jennifer Conard | 5721 Merle Hay Rd Ste 16A | (515) 253-9400 |
| 5 | Mathew Johnson Insurance Agency | 5335 Merle Hay Rd Ste 9 | (515) 278-2249 |
| 6 | Frank Stout Insurance | 6521 Merle Hay Rd | (515) 276-0914 |
| 7 | Central Financial Group LLC | 5700 Merle Hay Rd | (515) 457-1222 |
| 8 | Chad Aplin: Farm Bureau Financial Services | 5525 Merle Hay Rd Suite 265 | (515) 957-2412 |
| 9 | CSB Insurance Group | 5920 Merle Hay Rd | (414) 214-0758 |
| 10 | Farm Bureau Financial Services: Josh Sievers | 5525 Merle Hay Rd Suite 265 | (515) 957-2408 |
The Avanti Group - Bales Insurance Team serves the Johnston, Iowa, metro area as a dedicated umbrella insurance agent. The company provides supplemental liability coverage that extends beyond the limits of standard home and auto policies. This added layer of protection helps safeguard clients from major claims and lawsuits. Umbrella policies cover legal defense costs and various personal liability risks. The agency handles policy assessments to recommend appropriate coverage limits tailored to individual asset levels. It also addresses specific exposures such as property damage and personal injury liability through its local services.
Glenn A Waterhouse III - State Farm Insurance Agent provides umbrella insurance coverage in Johnston, Iowa. This service extends extra liability protection beyond the limits of standard home or auto policies. The agency helps clients evaluate their personal risk exposure and select appropriate policy limits for comprehensive financial security. Regularly reviewing existing policies ensures coverage remains aligned with changing assets and activities. Ongoing client support addresses questions about policy details and claims processes. This agency serves single-family homes, apartments, retail, and restaurants.
Serving homeowners, business owners, and property managers in Johnston, Iowa, Heartland Retirement Group offers umbrella insurance agent services to help clients secure additional liability protection beyond standard policy limits. This coverage is designed to provide an extra layer of financial security against major claims or lawsuits. An umbrella insurance agent assesses individual risk profiles to tailor appropriate coverage. The agency also extends its services to cover clients in the neighboring Ankeny area of the greater Des Moines metro.
Shelter Insurance - Jennifer Conard serves clients in Johnston, Iowa, and the surrounding communities of the greater Des Moines metro area. It handles umbrella insurance policies, which provide additional liability coverage beyond standard home and auto limits. This coverage helps protect personal assets against major claims or lawsuits. For a typical job, the agency first reviews a client’s existing policies to determine vulnerability, then recommends appropriate excess liability limits, and bundles coverage seamlessly with the client’s primary insurance through the local office’s dedicated consultation process.
Mathew Johnson Insurance Agency in Johnston, IA offers both one-time and recurring service options for umbrella insurance. Coverage provides additional liability protection that extends beyond the limits of a standard homeowner or auto policy, safeguarding personal assets from major claims and lawsuits. This extra layer of financial security is essential for clients with significant assets to protect. Service typically runs on either a scheduled annual renewal or as-needed basis for updating coverage limits.
Frank Stout Insurance in Johnston, Iowa provides umbrella insurance agency services by offering extended personal liability coverage that goes beyond standard policies, addressing gaps in homeowners and auto insurance. The agency generally serves local residents seeking additional protection for their assets from unforeseen claims. As seasonal hazards like severe storms in the Midwest or holiday gatherings can lead to accidents or property damage, Frank Stout Insurance helps clients secure coverage against such risks.
As winter storms bring heavy snow and ice to Johnston, local homeowners and drivers often face elevated liability risks. Central Financial Group LLC helps area residents and small businesses evaluate their exposure beyond standard policy limits. Their role involves reviewing existing coverage to identify gaps that could leave assets vulnerable. Each client receives a careful analysis of property and liability exposures. An appointment includes a preliminary consultation to review current policies and discuss personal assets before scheduling the initial documentation review.
Chad Aplin Farm Bureau Financial Services serves clients in Johnston, Iowa who need to extend their liability coverage beyond standard policies. The agency specializes in umbrella insurance, which provides additional protection when underlying auto or homeowners policy limits are exhausted. This extra layer helps safeguard personal assets against major claims or lawsuits. The company supports commercial clients across multiple sectors, including local offices, warehouses, and food service operations, addressing their unique risk exposures.
CSB Insurance Group provides residential umbrella insurance services to clients in Johnston, helping protect personal assets above standard policy limits. The agency also offers commercial umbrella coverage for local businesses seeking additional liability protection. Their service area includes Johnston and surrounding communities throughout central Iowa. The company focuses on ongoing client relationships, assisting with coverage adjustments or follow-up questions between regular policy review visits.
Farm Bureau Financial Services: Josh Sievers in Johnston, Iowa, is known for providing personalized umbrella insurance agent services to local residents and businesses. The agency helps clients secure additional liability coverage beyond standard auto and homeowners policies for broad asset protection. Serving the Johnston area, it offers insurance solutions that address common regional needs such as weather-related liability risks. As a specialty, the agency can add umbrella policies that extend coverage for personal injury claims.
What Does an a Umbrella Insurance Agent in Johnston Cost?
The cost of umbrella insurance in Iowa typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage. Premiums vary based on your personal risk profile, number of vehicles, and property value. For higher limits like 2 or 5 million dollars, costs increase proportionally. This is general information and not insurance advice.
About umbrella insurance agents in Johnston
Umbrella insurance agents in Johnston Iowa help you secure additional liability coverage that goes beyond the limits of your auto or homeowners policy. This extra layer of protection is especially valuable for Iowa residents who own property or have significant savings. Iowa law requires minimum liability limits for auto insurance, but an umbrella policy can provide broader coverage for unexpected lawsuits or claims.
Frequently Asked Questions
What does an umbrella insurance agent in Johnston do?
An umbrella insurance agent helps you assess your personal liability risks and recommends a policy that adds extra coverage above your existing insurance. They can explain how umbrella insurance interacts with your auto and home policies in Iowa.
How much umbrella insurance do I need in Iowa?
Most agents recommend at least 1 million dollars in umbrella coverage for Johnston homeowners or those with significant assets. The right amount depends on your net worth, property value, and risk factors like having a swimming pool or rental property.
Is umbrella insurance required by law in Iowa?
No, Iowa does not require umbrella insurance by law. However, it is a smart choice if you face higher liability risks. Iowa law does set minimum auto liability limits, but umbrella coverage can protect you beyond those minimums.
Umbrella Insurance Agents in Other Iowa Cities
Ames · Ankeny · Bettendorf · Cedar Falls · Cedar Rapids · Council Bluffs · Davenport · Des Moines · Dubuque · Iowa City · Marion · Sioux City · Urbandale · Waterloo · Waukee