The top-rated umbrella insurance agent in Coon Rapids, Minnesota is Pinnacle Insurance Agency of Minnesota, LLC, rated 4.9 stars across 1,365 reviews. Other highly rated options include R J Bergstrom - State Farm Insurance Agent, Kari A Hefnider Agency LLC American Family Insurance, North Suburban Agencies, Inc.. This directory lists 11 umbrella insurance agents serving Coon Rapids.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Pinnacle Insurance Agency of Minnesota, LLC | 10081 Dogwood St NW | (763) 767-2323 |
| 2 | R J Bergstrom - State Farm Insurance Agent | 11413 Hanson Blvd NW | (763) 755-7350 |
| 3 | Kari A Hefnider Agency LLC American Family Insurance | 1740 116th Ave NW #170 | (763) 755-0375 |
| 4 | North Suburban Agencies, Inc. | 11421 Hanson Blvd NW | (763) 755-2300 |
| 5 | David Curtis: Allstate Insurance | 9920 Foley Blvd NW #150 | (763) 754-6636 |
| 6 | Aspen Insurance Group, Inc | 8960 Springbrook Dr #100 | (763) 755-7000 |
| 7 | Oakwood Insurance Agency, Inc. | 2003 Northdale Blvd NW | (763) 754-1824 |
| 8 | MNStar Insurance | 299 Coon Rapids Blvd #209 | (763) 898-3384 |
| 9 | Sogn Margaret | 2003 Northdale Blvd NW | (763) 754-1824 |
| 10 | Joe Fulton Agency | 277 Coon Rapids Blvd #410 | (763) 710-9280 |
Pinnacle Insurance Agency of Minnesota, LLC serves Coon Rapids and the broader Anoka County area in Minnesota as a dedicated umbrella insurance agent. This agency helps clients secure additional liability coverage that extends beyond the limits of standard home and auto policies. Umbrella insurance is designed to protect personal assets against major claims and lawsuits that could otherwise cause financial hardship. The agency specifically handles policies that provide broader coverage for incidents occurring on the insured’s property and for accidents caused while operating a personal vehicle.
R J Bergstrom - State Farm Insurance Agent offers umbrella insurance policies to provide additional liability coverage beyond standard home and auto limits in the Coon Rapids area. Its services include assessing unique risk factors and helping clients select appropriate supplemental protection for greater financial security. Personalized consultations allow customers to review existing policies and explore options that address specific coverage needs. Maintenance involves periodic policy reviews to ensure limits remain suitable as circumstances change. The agency services single-family homes, apartments, retail locations, and restaurants seeking broad liability safeguards.
Homeowners, businesses, and property managers in Coon Rapids, MN seek Kari A Hefnider Agency LLC American Family Insurance for umbrella insurance agent services. This agency helps clients extend liability coverage beyond their standard home or auto policies, offering an extra layer of financial protection against major claims or lawsuits. They assess individual risk profiles and guide policyholders in selecting appropriate excess liability limits. For residents of Blaine or the northern Twin Cities metro, the agency and its staff are also accessible for in-person consultations and ongoing account support.
North Suburban Agencies, Inc. offers umbrella insurance either as a one-time policy for immediate excess liability protection or as a recurring annual renewal for ongoing coverage. This service extends policyholders’ liability limits beyond standard home or auto policies, safeguarding assets from major claims in Coon Rapids, MN. Activities are performed on an as-needed basis, triggered by the policyholder’s request for a new policy, renewal, or a coverage change.
David Curtis: Allstate Insurance serves Coon Rapids, Minnesota, and the surrounding communities in Anoka County. As an umbrella insurance agent, the office handles liability coverage that extends beyond standard auto and homeowners policy limits. The agency is also equipped to address client needs regarding broader protection against major claims or lawsuits. Typical work begins with a review of a client's existing liability risks and coverage gaps, then proceeds to design a personalized layer of extra liability protection that aligns with their assets.
Aspen Insurance Group, Inc. in Coon Rapids, Minnesota specializes in providing excess liability policies, known as umbrella insurance, that extend coverage beyond standard homeowners and auto limits. Its work with local residents and small businesses focuses on protecting assets against major claims or lawsuits. A particularly relevant service includes addressing risks from severe Minnesota weather events, such as the property and liability exposures that often arise after a major hailstorm or blizzard damages a neighborhood.
As winter ice and spring storms bring unpredictable risks to Coon Rapids homeowners, umbrella insurance provides critical extra liability coverage beyond standard policies. Oakwood Insurance Agency, Inc. helps local residents evaluate their need for broader protection against costly lawsuits or major property claims. Their agents explain how an umbrella policy activates once underlying coverage limits are exhausted, offering peace of mind for everyday accident scenarios. To begin this assessment, the agency schedules a review of current insurance limits and personal assets to determine the appropriate umbrella threshold.
MNStar Insurance works with property owners and businesses in Coon Rapids, helping them manage liability exposure through umbrella insurance coverage that extends beyond standard policy limits. This layered protection is a specialty add-on for clients seeking a broader safety net against major claims or lawsuits. The agency serves a variety of commercial sectors, including offices, warehouses, and food service operations.
Sogn Margaret is an umbrella insurance agent in Coon Rapids, MN, known for providing additional liability coverage that extends beyond the limits of standard auto and homeowners policies. This service helps protect clients from major claims and lawsuits that could otherwise threaten personal assets. It serves local homeowners, drivers, and business owners seeking high-limit liability protection at an affordable rate. A specialty service it can provide is personal umbrella coverage specifically designed to bridge gaps in rental property liability insurance.
Joe Fulton Agency in Coon Rapids, MN provides residential umbrella insurance service, offering an additional layer of liability protection beyond standard homeowners or auto policies. The agency also writes commercial umbrella coverage for local businesses needing extended liability limits. Their service area encompasses Coon Rapids and surrounding communities within Anoka County. Clients can expect attentive follow-up between regular visits to adjust policy details as personal or business circumstances evolve.
What Does an a Umbrella Insurance Agent in Coon Rapids Cost?
The cost of umbrella insurance in Minnesota typically ranges from 150 to 500 dollars per year for 1 million dollars in coverage, depending on your risk profile and insurance history. Higher coverage limits, such as 2 to 5 million dollars, may cost 300 to 1,000 dollars annually. Factors like number of vehicles, property value, and driving record affect the premium. This is general information and not insurance advice.
About umbrella insurance agents in Coon Rapids
Umbrella insurance provides extra liability coverage beyond standard home and auto policies. In Coon Rapids, Minnesota, an agent can help you assess your risk and secure a policy that meets state requirements. Minnesota law does not mandate umbrella insurance, but it is often recommended for those with significant assets or higher liability exposure.
Frequently Asked Questions
What does an umbrella insurance agent in Coon Rapids do?
An umbrella insurance agent helps you find a policy that adds extra liability coverage above your existing home and auto insurance. They evaluate your assets and risks to recommend appropriate coverage limits. In Minnesota, agents must be licensed by the Minnesota Department of Commerce.
How much umbrella insurance do I need in Minnesota?
The amount of umbrella insurance you need depends on your assets and potential liability risks. Common coverage limits start at 1 million dollars and go up from there. An agent can help you calculate a suitable amount based on your net worth and local legal environment.
Does umbrella insurance cover legal defense costs in Minnesota?
Yes, umbrella insurance typically covers legal defense costs for covered claims, which can be significant. Minnesota courts follow a comparative fault system, so your policy may pay for defense even if you are partially at fault. An agent can explain how this applies to your specific situation.
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