The top-rated umbrella insurance agent in Eden Prairie, Minnesota is Farmers Insurance - Aaron Nicklay, rated 4.9 stars across 52 reviews. Other highly rated options include Smart Insurance Agency Inc, P & H Insurance Agency Inc., Christensen Group Insurance Eden Prairie. This directory lists 16 umbrella insurance agents serving Eden Prairie.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Aaron Nicklay | 250 Prairie Center Dr Ste 205 | (952) 229-5155 |
| 2 | Smart Insurance Agency Inc | 11800 Singletree Ln SUITE 130 | (612) 243-4000 |
| 3 | P & H Insurance Agency Inc. | 11800 Singletree Ln # 120 | (952) 829-1655 |
| 4 | Christensen Group Insurance Eden Prairie | 9855 W 78th St #100 | (952) 653-1000 |
| 5 | Twin City Group | 7500 Flying Cloud Dr | (952) 924-6900 |
| 6 | Stallion Insurance Group | 12160 Technology Dr. #213 | (651) 735-1284 |
| 7 | Caveo Insurance Agency | 8925 Aztec Dr #3 | (952) 406-8841 |
| 8 | SELECTIONS INSURANCE AGENCY | 8925 Aztec Dr #3 | (952) 592-7615 |
| 9 | JP Insurance Services, Inc | 6455 Washington Ave | (612) 208-0710 |
| 10 | SELECTIONS INSURANCE AGENCY (Mike Gordon Insurance Agency) | 8925 Aztec Dr #3 | (952) 934-3621 |
Farmers Insurance - Aaron Nicklay serves the Eden Prairie, Minnesota area as an umbrella insurance agent. Umbrella insurance provides additional liability coverage beyond standard home and auto policies, offering extra protection for local residents. The agency assists clients in securing this added layer of financial security against large claims or lawsuits. It helps customers evaluate their current coverage limits and identify potential gaps that umbrella insurance can fill. The agency handles personal umbrella policies for homeowners and drivers in the region.
Smart Insurance Agency Inc in Eden Prairie, Minnesota delivers umbrella insurance coverage tailored to clients needing extra liability protection beyond standard policies. It offers ongoing policy reviews and personalized consultations to ensure coverage limits align with evolving client needs. Support for adjusting deductibles or adding layers of protection is available as risk profiles shift. This agency works with owners of single-family homes, apartments, retail establishments, and restaurants.
P & H Insurance Agency Inc. in Eden Prairie, MN serves homeowners, businesses, and property managers seeking personal liability protection. The agency helps clients obtain umbrella policies that extend coverage beyond standard home and auto insurance limits. These policies provide an extra layer of financial security against costly lawsuits or major claims. The agency assists with evaluating risk exposure and selecting appropriate liability limits for individual circumstances. P & H Insurance Agency Inc. also serves policyholders in the nearby city of Bloomington and throughout the surrounding southwest metro area.
Christensen Group Insurance Eden Prairie serves Eden Prairie and the surrounding Minnesota communities, handling personal umbrella insurance policies that provide added liability coverage beyond standard home and auto limits. The company works with clients to assess their assets and potential risks, helping them secure broader protection against major claims or lawsuits. To complete a typical job, an agent reviews the client’s existing policies, evaluates coverage gaps, and then tailors an umbrella policy to align with the individual’s financial exposure and lifestyle needs.
Twin City Group in Eden Prairie, Minnesota helps clients distinguish between one-time umbrella policies for temporary needs and recurring coverage that adjusts as liabilities or assets grow. Their work addresses protection for property owners and renters who require additional liability limits beyond standard homeowner or auto policies. This agent arranges coverage that responds to covered claims when other policies have been exhausted. Service for new applications, reviews, and policy adjustments runs on either a one-time basis or as needed following client requests.
Stallion Insurance Group offers excess liability coverage through umbrella insurance policies, generally extending protection beyond standard auto and homeowners limits. Based in Eden Prairie, MN, the agency serves clients throughout the surrounding area by helping them address potential gaps in personal liability coverage. These policies often assist with legal defense costs and large settlement claims arising from common incidents. The agency specifically helps local homeowners and vehicle owners manage increased liability risks during the winter season when icy conditions and snow-related accidents occur more frequently.
In the often unpredictable Minnesota climate, where heavy snow and frequent storms put properties at risk, Caveo Insurance Agency offers umbrella insurance to residents of Eden Prairie. This type of policy provides extra liability coverage that activates when a standard auto or homeowners policy has been exhausted, offering an important layer of protection against major claims. After a brief initial consultation to review existing policies, an agent assesses your current coverage limits to recommend the appropriate amount of supplemental liability protection.
Selections Insurance Agency handles general business insurance needs while specializing in umbrella liability coverage for extra protection beyond standard policies. This Eden Prairie firm works to safeguard local operations from substantial claims that could otherwise threaten financial stability. Its umbrella policies extend coverage for various scenarios, including major incidents occurring on company property or during daily activities. The agency can assist businesses of many types, including offices, warehouses, and food service establishments.
JP Insurance Services, Inc in Eden Prairie, MN provides residential umbrella insurance coverage to help protect homeowners from excess liability claims. They also assist local businesses with commercial umbrella needs, ensuring adequate protection beyond standard policies throughout the surrounding area. Serving clients across Eden Prairie and nearby communities, the agency works with each customer to evaluate their unique risk exposure. After an initial policy is issued, representatives maintain contact and offer scheduled follow-up support between regular visits to address any changing coverage requirements.
What Does an a Umbrella Insurance Agent in Eden Prairie Cost?
The cost of umbrella insurance in Minnesota typically ranges from 150 to 350 dollars per year for 1 million dollars of coverage. Higher limits, such as 2 million or 5 million, may cost 300 to 700 dollars annually. Rates vary based on your risk profile, number of properties, and driving record. This is general information, not insurance advice.
About umbrella insurance agents in Eden Prairie
Umbrella insurance provides additional liability coverage beyond the limits of your auto, home, or watercraft policies. In Eden Prairie, Minnesota, agents can help you secure this extra layer of protection against large claims or lawsuits. Minnesota law does not require umbrella insurance, but it is often recommended for homeowners with significant assets or rental properties.
Frequently Asked Questions
What does an umbrella insurance agent in Eden Prairie do?
An umbrella insurance agent helps you evaluate your current liability risks and recommends a policy that covers gaps in your existing insurance. They guide you through coverage limits, exclusions, and how an umbrella policy interacts with your auto and homeowners insurance.
How much umbrella insurance coverage do I need in Minnesota?
Coverage amounts typically start at 1 million dollars and can go up to 5 million or more. Your agent will consider your assets, income, and potential liability risks to suggest an appropriate limit. Minnesota does not cap how much you can purchase.
Does Minnesota law affect umbrella insurance policies?
Yes. Minnesota follows a comparative fault rule, which means you could be held liable for a portion of damages even if you are partly at fault. An umbrella policy can cover your share of a judgment. Also, Minnesota has a 6-year statute of limitations for most personal injury lawsuits, so long-term protection is important.
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