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Looking for a umbrella insurance agent in St Joseph? Review the directory below to compare your options.
20 agents listed
Updated May 2026
St Joseph, MO
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 Missouri before hiring.
Showing 20 umbrella insurance agents in St Joseph, MO
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
AIS
2903 S Belt Hwy, St Joseph, MO 64503
(816) 676-2886
aisyes.com
Patrick Lile American Family Insurance
2721 Pembroke Ln, St Joseph, MO 64506
(816) 279-7770
amfam.com
Clear View Insurance Specialists
3849 Frederick Ave, St Joseph, MO 64506
(816) 232-7400
clearviewinsure.com
Tolly & Associates Inc American Family Insurance
2606 N Belt Hwy, St Joseph, MO 64506
(816) 232-8400
amfam.com
Shelter Insurance - Dana Oerman
6412 King Hill Ave, St Joseph, MO 64504
(816) 238-1450
shelterinsurance.com
Adlee Conaway Insurance Agency LLC American Family Insurance
6402 King Hill Ave, St Joseph, MO 64504
(816) 238-5201
amfam.com
Zulima Lugo - Missouri Farm Bureau Insurance
2233 N Belt Hwy Ste B, St Joseph, MO 64506
(816) 558-6171
agents.mofbinsurance.com
Larry Bowles - Missouri Farm Bureau Insurance
2233 N Belt Hwy Ste C, St Joseph, MO 64506
(816) 558-6171
agents.mofbinsurance.com
Shelter Insurance
3011 S Belt Hwy, St Joseph, MO 64503
(816) 354-0260
shelterinsurance.com
Wagers Insurance Agency
3603 Woodlawn Terrace, St Joseph, MO 64506
(816) 676-1000
thewagersagency.com
Sunshine Cover Insurance Co
805 S Belt Hwy, St Joseph, MO 64507
(816) 281-5993
buchanancountyinsurance.com
John Joe Insurance Agency, Inc.
2320 N Belt Hwy, St Joseph, MO 64506
(816) 273-0123
johnjoeinsurance.com
Matt Thrasher Agency Inc American Family Insurance
3026 Frederick Ave, St Joseph, MO 64506
(816) 238-1121
amfam.com
Colman Insurance Services
4305 Frederick Ave # 200, St Joseph, MO 64506
(816) 236-1725
colman-ins.com
Benchmark Insurance Agency
3715 Beck Rd b201, St Joseph, MO 64506
(816) 279-3400
gobenchmarkinsurance.com
Shelter Insurance - Matthew Judah
303 S Belt Hwy, St Joseph, MO 64506
(816) 232-4300
shelterinsurance.com
Shelter Insurance - Tosh Rauer
2312 N 36th St, St Joseph, MO 64506
(816) 232-6117
shelterinsurance.com
Saint Joseph Insurance
3715 Beck Rd b201, St Joseph, MO 64506
(816) 364-4381
sjiagency.com
The Accel Group - St. Joseph
4221 Mitchell Ave Suite 2C-3, St Joseph, MO 64507
(816) 509-0848
acceladvantage.com
Farmers Insurance - Brett Holden Agency
1602 S Riverside Rd Suite B, St Joseph, MO 64507
(816) 259-5555
agents.farmers.com
Umbrella insurance agents in St Joseph Missouri help residents secure extra liability coverage that goes beyond the limits of auto and home policies. This type of policy is especially important in Missouri where state law requires minimum liability limits that may not fully protect your assets. A local agent can assess your risk and find a policy that fits your needs.
What Does a Umbrella Insurance Agent in St Joseph Cost?
The cost of an umbrella insurance policy in Missouri typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost between 300 and 800 dollars annually. Actual premiums depend on your risk profile, number of properties, and driving record. 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 do in St Joseph?
An umbrella insurance agent helps you purchase a personal liability umbrella policy. This policy provides additional coverage above your existing auto and homeowners insurance limits. The agent can explain how Missouri minimum liability limits might leave you exposed and recommend appropriate coverage amounts.
How much umbrella coverage do I need in Missouri?
Most Missouri agents recommend at least 1 million dollars in umbrella coverage. The right amount depends on your assets, income, and risk factors. Your agent can help you calculate a suitable limit based on your personal situation.
Do I need umbrella insurance if I have a Missouri auto policy?
Yes, because Missouri requires only 25000 dollars in bodily injury liability per person and 50000 per accident. These limits may not cover a serious accident. An umbrella policy adds an extra layer of protection for your savings and future earnings.
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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 Missouri.