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HomeUmbrella Insurance AgentsIowa › Waterloo

Find Umbrella Insurance Agents Near You in Waterloo, IA

Browse umbrella insurance agents serving Waterloo, Iowa. Updated 2026-07-14.

The top-rated umbrella insurance agent in Waterloo, Iowa is VGM Insurance Services, rated 5.0 stars across 225 reviews. Other highly rated options include Christel Manson - State Farm Insurance Agent, PDCM Insurance, Ryan Sullivan - State Farm Insurance Agent. This directory lists 19 umbrella insurance agents serving Waterloo.

Showing 19 umbrella insurance agents in Waterloo, IAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1VGM Insurance Services1111 Van Miller Wy(800) 362-3363
2Christel Manson - State Farm Insurance Agent1935 E Ridgeway Ave(319) 232-6630
3PDCM Insurance3022 Airport Blvd(319) 234-8888
4Ryan Sullivan - State Farm Insurance Agent1809 University Ave(319) 236-1099
5Matt Hennig - State Farm Insurance Agent1010 E Mitchell Ave #9(319) 235-1401
6The Sinnott Agency622 W 4th St(319) 233-6103
7Farmers Insurance - Zachary Goodwin2747 University Ave(319) 243-1111
8Gallagher Insurance, Risk Management & Consulting2945 Airport Blvd(319) 433-1098
9Joseph Andersen - State Farm Insurance Agent974 Home Plaza(319) 236-1512
10Tjernagel Insurance2920 Falls Ave(319) 235-6719
VI
1111 Van Miller Wy
VGM Insurance Services
Umbrella Insurance Agent · Waterloo, IA

VGM Insurance Services serves the Waterloo, Iowa, area as a local umbrella insurance agent. This company helps clients secure additional liability coverage that extends beyond the limits of standard homeowners or auto policies. Such protection is particularly valuable for those seeking to safeguard personal assets against major claims or lawsuits. VGM Insurance Services assists residents and businesses in the Waterloo metro region with evaluating their coverage needs and obtaining appropriate umbrella policies. It specifically handles personal umbrella insurance policies and excess liability coverage for local homeowners and drivers.

CM
1935 E Ridgeway Ave
Christel Manson - State Farm Insurance Agent
Umbrella Insurance Agent · Waterloo, IA

Christel Manson - State Farm Insurance Agent in Waterloo, IA, provides umbrella insurance coverage designed to extend liability protection beyond the limits of standard home and auto policies. Service plans include policy reviews to assess personal risk exposure and ensure adequate coverage for unexpected events. The agency helps clients safeguard assets by offering increased liability limits for legal costs and claims. Christel Manson serves a variety of properties, including single-family homes, apartments, retail locations, and restaurants.

PI
3022 Airport Blvd
PDCM Insurance
Umbrella Insurance Agent · Waterloo, IA

PDCM Insurance serves homeowners, businesses, and property managers seeking personal liability protection beyond standard policy limits. As an umbrella insurance agent in Waterloo, Iowa, it helps clients secure additional coverage layers that safeguard assets against major claims, including lawsuits for accidents or property damage. The agency assists with underwriting requests, policy bundling, and account reviews to determine appropriate liability amounts. PDCM Insurance also covers clients in the surrounding Cedar Valley area, including Cedar Falls, Evansdale, and Hudson.

RS
1809 University Ave
Ryan Sullivan - State Farm Insurance Agent
Umbrella Insurance Agent · Waterloo, IA

Ryan Sullivan, a State Farm Insurance Agent in Waterloo, IA, differentiates between single-event umbrella policies for unexpected lawsuits and ongoing coverage that extends protection over existing home and auto plans. This location serves clients by exceeding standard liability limits, safeguarding assets against major claims or judgments. The office offers personalized sessions to evaluate individual risk exposure and recommend appropriate policy tiers. Service runs on an as-need basis for initial consultations and new policy setups, with ongoing scheduled reviews available for existing client portfolios.

MH
1010 E Mitchell Ave #9
Matt Hennig - State Farm Insurance Agent
Umbrella Insurance Agent · Waterloo, IA

Matt Hennig - State Farm Insurance Agent provides umbrella coverage to clients in Waterloo, Iowa, and the surrounding Cedar Valley communities. This agency handles personal umbrella liability policies that extend protection beyond standard home and auto insurance limits. It assists individuals in safeguarding their assets against major claims and lawsuits. The agent typically evaluates a client's current policies and personal risk exposure, then recommends appropriate additional liability limits that ensure broader financial security.

SA
622 W 4th St
The Sinnott Agency
Umbrella Insurance Agent · Waterloo, IA

The Sinnott Agency specializes in umbrella insurance coverage, providing an extra layer of liability protection beyond standard home and auto policies. It serves residents throughout Waterloo, Iowa, offering personalized consultations to help clients close gaps in their existing insurance portfolios. The firm assists with complex claims logistics and risk assessment for high-net-worth individuals. With winter storms increasing the likelihood of costly slip-and-fall lawsuits, the agency helps local property owners secure sufficient coverage against such seasonal exposures.

FI
2747 University Ave
Farmers Insurance - Zachary Goodwin
Umbrella Insurance Agent · Waterloo, IA

When winter storms and heavy spring rains threaten properties in Waterloo, extra liability coverage becomes a priority for homeowners. This agency specializes in umbrella insurance policies that provide additional protection beyond standard auto and home limits. Farmers Insurance - Zachary Goodwin works closely with clients to evaluate their existing coverage and identify gaps that could leave assets exposed. A free initial assessment is scheduled to review individual policy details and recommend appropriate umbrella limits for each household.

GI
2945 Airport Blvd
Gallagher Insurance, Risk Management & Consulting
Umbrella Insurance Agent · Waterloo, IA

Gallagher Insurance, Risk Management & Consulting provides general liability coverage and other essential protections for businesses and individuals in Waterloo. As an umbrella insurance agent, the firm specializes in offering excess liability policies that add an extra layer of financial security beyond standard base limits. This additional coverage helps protect assets against major claims or lawsuits that exceed primary policy caps. The company serves a variety of commercial sectors, including offices, warehouses, and food service operations.

JA
974 Home Plaza
Joseph Andersen - State Farm Insurance Agent
Umbrella Insurance Agent · Waterloo, IA

Joseph Andersen - State Farm Insurance Agent in Waterloo, IA is known for providing umbrella insurance coverage that extends liability protection beyond standard policies. The agency serves local residents and small business owners seeking additional financial security against unexpected lawsuits or claims. General umbrella insurance agents in this area help clients protect assets such as homes and vehicles. This specialty service can add on coverage for incidents like property damage or personal injuries occurring on the insured’s premises.

TI
2920 Falls Ave
Tjernagel Insurance
Umbrella Insurance Agent · Waterloo, IA

Tjernagel Insurance provides residential umbrella insurance services for homeowners in Waterloo, Iowa, offering an extra layer of liability protection beyond standard policies. The agency also handles commercial umbrella coverage for local businesses seeking broader risk management. Their service area covers the greater Waterloo region and surrounding communities. Clients can expect clear explanations of policy limits during initial consultations. Follow-up discussions often occur between regular billing cycles or when personal asset changes prompt a coverage review.

SI
3680 University Ave Ste B
Shelter Insurance - Jeff Gudenkauf
Umbrella Insurance Agent · Waterloo, IA
(319) 235-8090
shelterinsurance.com/CA/agent/JEFFGUDENKAUF
FJ
3265 W 4th St
Fish-Johnson Insurance Agency
Umbrella Insurance Agent · Waterloo, IA
(319) 233-3335
fishjohnsonins.com
EH
611 Ansborough Ave
Elliott Hartman Agency
Umbrella Insurance Agent · Waterloo, IA
(319) 233-8459
elliotthartman.com
YI
1010 E Mitchell Ave #2
Yarwood Insurance Agency Inc.
Umbrella Insurance Agent · Waterloo, IA
(319) 233-8463
yarwoodins.com
BL
1850 W Ridgeway Ave Ste 3
Bankers Life
Umbrella Insurance Agent · Waterloo, IA
(319) 277-5173
branches.bankerslife.com/ia/waterloo/1850-w-ridgeway-ave
VI
1827 Ansborough Ave
Veridian Insurance
Umbrella Insurance Agent · Waterloo, IA
(800) 235-3228
veridiancu.org/personal/insure
KI
1425 W 5th St Ste 2
Kvale Insurance
Umbrella Insurance Agent · Waterloo, IA
(319) 833-9428
kvaleinsurance.com
BI
3222 Kimball Ave ste b
BankIowa Insurance
Umbrella Insurance Agent · Waterloo, IA
(319) 232-4571
bankiowainsurance.com
GP
2913 Falls Ave
Gene Pint & Associates
Umbrella Insurance Agent · Waterloo, IA
(319) 234-8936
americannational.com/agent

What Does an a Umbrella Insurance Agent in Waterloo Cost?

Typical costs for a one million dollar umbrella policy in Iowa range from 150 to 300 dollars per year. Factors like your driving record number of properties and claims history affect the premium. Higher limits of two million dollars may cost 250 to 500 dollars annually. This is general information not insurance advice.

About umbrella insurance agents in Waterloo

An umbrella insurance agent in Waterloo Iowa helps you secure extra liability coverage that goes beyond your auto or homeowners policy limits. Iowa law does not require umbrella insurance but it can protect your savings and future earnings if you face a large lawsuit. Local agents understand the specific risks for Waterloo residents including farm-related liabilities and severe weather claims.

Frequently Asked Questions

What does umbrella insurance cover in Waterloo Iowa?

Umbrella insurance provides additional liability coverage after your underlying auto or home policy limits are exhausted. It covers claims like bodily injury property damage and personal injury such as libel or slander. In Iowa it does not cover your own property or intentional acts.

How much umbrella insurance do I need in Iowa?

Most agents recommend at least one million dollars in umbrella coverage. Iowa courts have high jury awards in serious injury cases so higher limits may be wise if you own a business rental property or have significant assets. Your agent can help assess your risk based on your net worth and lifestyle.

Can I get umbrella insurance if I have a rental property in Waterloo?

Yes you can and it is often recommended for landlords in Iowa. Umbrella coverage can protect you if a tenant or visitor is injured on your rental property. Your underlying landlord policy must meet minimum coverage requirements set by the insurer.

Umbrella Insurance Agents in Other Iowa 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.