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Browse umbrella insurance agents serving Coon Rapids, Minnesota. Contact information and addresses listed below.
11 agents listed
Updated May 2026
Coon Rapids, MN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Minnesota before hiring.
Showing 11 umbrella insurance agents in Coon Rapids, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Pinnacle Insurance Agency of Minnesota, LLC
10081 Dogwood St NW, Coon Rapids, MN 55448
(763) 767-2323
pinnacleinsuranceofmn.com
R J Bergstrom - State Farm Insurance Agent
11413 Hanson Blvd NW, Coon Rapids, MN 55433
(763) 755-7350
rjbergstrom.com
Kari A Hefnider Agency LLC American Family Insurance
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.
What Does 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.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
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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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Minnesota.