ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of umbrella insurance agents in St Cloud, Minnesota. Verify credentials with the state department of insurance before hiring.
15 agents listed
Updated May 2026
St Cloud, 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 15 umbrella insurance agents in St Cloud, 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.
Hess Partners Insurance Agency
31 33rd Ave N, St Cloud, MN 56303
(320) 255-0417
hesspartners.com
Advantage 1 Insurance
3801 3rd St N, St Cloud, MN 56303
(320) 252-6650
advantageoneins.com
Michael Brower Agency, Inc. American Family Insurance
1727 W St Germain St, St Cloud, MN 56301
(320) 252-5151
amfam.com
Rock City Insurance
14 7th Ave N, St Cloud, MN 56303
(320) 259-4003
rockcityagency.com
Lamphere Insurance Group, LLC
606 25th Ave S Ste. 204, St Cloud, MN 56301
(320) 640-0633
lamphereinsgrp.com
Farmers Insurance - Duane Osgood
3335 W St Germain St #105, St Cloud, MN 56301
(320) 252-6095
agents.farmers.com
Hess Insurance Agency LLC
2233 Roosevelt Rd #4, St Cloud, MN 56301
(320) 251-1515
hessinsuranceagency.com
Federated Insurance Co
2700 1st St N #215, St Cloud, MN 56303
(320) 314-3964
reps.federatedinsurance.com
Moe Agency Inc
536 25th Ave N, St Cloud, MN 56303
(320) 253-7644
moeagencyinc.net
Gasperlin Insurance Agency
2789 Clearwater Rd #C, St Cloud, MN 56301
(320) 252-6800
gasperlinagency.com
John Herman Insurance
606 25th Ave S #111, St Cloud, MN 56301
(320) 251-1997
johnhermanins.wixsite.com
Stearns
4191 2nd St S, St Cloud, MN 56301
(320) 314-5267
Mark Helminick
1500 Oak Grove Rd SW #109, St Cloud, MN 56301
(320) 230-9147
insurancebrokersmn.com
Charles F. Harrison Agency LLC American Family Insurance
2719 W Division St #3, St Cloud, MN 56301
(320) 259-6000
amfam.com
Farmers Insurance - Shane Modrow
1545 Northway Dr #140, St Cloud, MN 56303
(320) 204-0001
agents.farmers.com
Umbrella insurance provides an extra layer of liability coverage that goes beyond the limits of your home and auto policies. In St Cloud, Minnesota, this coverage can protect your assets from large claims or lawsuits. Local agents can help you understand how Minnesota law, such as the states comparative fault rules, may affect liability claims against you.
What Does a Umbrella Insurance Agent in St Cloud Cost?
In Minnesota, a 1 million dollar umbrella policy typically costs between 150 and 300 dollars per year. Costs can be higher for households with multiple drivers, teenage drivers, or rental properties. Premiums vary by insurer, location, and the underlying policy limits. 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 umbrella insurance cover in Minnesota?
Umbrella insurance covers liability claims that exceed the limits of your underlying home or auto policy. It also covers certain claims that those policies may exclude, such as libel or slander. In Minnesota, it can help protect your savings and future wages from a large judgment.
How much umbrella insurance do I need in St Cloud?
Most agents recommend at least 1 million dollars in umbrella coverage. The right amount depends on your assets, income, and risk exposure. A local St Cloud agent can review your personal situation to suggest an appropriate limit.
Free • No Obligation
Compare Umbrella Insurance Agents
Get matched with agents in St Cloud who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
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.