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Browse umbrella insurance agents serving St. Louis, Missouri. Contact information and addresses listed below.
20 agents listed
Updated May 2026
St. Louis, 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. Louis, 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.
POWERS Insurance and Risk Management
6825 Clayton Ave #200, St. Louis, MO 63139
(314) 725-1414
powersinsurance.com
R T Thomas Insurance, LLC
8131 Delmar Blvd, St. Louis, MO 63130
(314) 725-5535
rtthomas.com
Young Agency & Associates LLC American Family Insurance
2130 Schuetz Rd, St. Louis, MO 63146
(314) 432-1991
amfam.com
Farmers Insurance - Jeremy Heisserer
4185 Crescent Dr Suite C, St. Louis, MO 63129
(314) 849-9898
agents.farmers.com
Goetz Insurance Agency
4586 Telegraph Rd, St. Louis, MO 63129
(314) 720-1702
goetzinsurance.com
Kreismann Bayer Insurance Agency
652 N New Ballas Rd, St. Louis, MO 63141
(314) 567-3344
kreismannbayer.com
Elevated Insurance Group
345 Marshall Ave Ste 200, St. Louis, MO 63119
(314) 806-3600
elevatedcoverage.com
Norrell Insurance Agency
401 Pine St #7, St. Louis, MO 63102
(636) 575-9526
norrellagency.com
Lp Miceli Inc
3470 Hampton Ave s106, St. Louis, MO 63139
(314) 832-6667
lpmiceliinc.com
Kelli A Young And Associates LLC American Family Insurance
12213 Old Big Bend Rd, St. Louis, MO 63122
(314) 821-1212
amfam.com
Southtown Insurance Agency
7127 S Lindbergh Blvd, St. Louis, MO 63125
(314) 894-4220
facebook.com
Charles Meyer Insurance Agency
5583 Telegraph Rd, St. Louis, MO 63129
(314) 894-1313
myarnoldteam.com
Christine Lieber Agency LLC American Family Insurance
11611 Gravois Rd, St. Louis, MO 63126
(314) 272-0000
amfam.com
Daniel Fowler Agency Inc American Family Insurance
5647 Telegraph Rd Suite 4, St. Louis, MO 63129
(314) 846-1700
amfam.com
Clayton Hanley Insurance Service Inc.
9545 Yuma Dr, St. Louis, MO 63123
(314) 487-2921
claytonhanley.com
Crawford-Butz & Associates Insurance Agency
9700 MacKenzie Rd STE 120, St. Louis, MO 63123
(314) 752-2500
crawfordbutz.com
O'Connor Insurance
12101 Olive Blvd, St. Louis, MO 63141
(314) 434-0038
oconnor-ins.com
Tom Gerber - Premier Insurance Agency
11400 Concord Village Ave #D, St. Louis, MO 63123
(314) 729-0091
premierinsagency.com
Milana Furman Insurance Agency LLC
2200 W Port Plaza Dr # 206, St. Louis, MO 63146
(314) 821-1920
mfurmaninsurance.com
Parker Insurance Group Inc
762 Lemay Ferry Rd, St. Louis, MO 63125
(314) 638-5020
parkerinsurancegroup.com
Umbrella insurance agents in St. Louis help you add a layer of liability coverage beyond your standard auto or homeowners policy. Missouri law requires minimum liability limits for auto insurance, but an umbrella policy can protect your assets from large claims. Local agents understand the specific risks for Missouri drivers and homeowners, such as severe weather and uninsured motorist claims.
What Does a Umbrella Insurance Agent in St. Louis Cost?
In Missouri, a 1 million dollar umbrella policy typically costs between 150 and 300 dollars per year. A 2 million dollar policy may range from 250 to 500 dollars annually. Costs vary based on your driving record, home value, number of properties, and number of drivers. 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 St. Louis do?
An umbrella insurance agent helps you purchase a personal liability policy that kicks in after your primary insurance limits are used up. They assess your assets and risks to recommend a coverage amount. In Missouri, umbrella policies typically start at 1 million dollars in coverage.
How much umbrella insurance do I need in Missouri?
The amount you need depends on your total assets and potential liability exposure. Many agents suggest coverage equal to your net worth. Missouri does not have a state law requiring umbrella insurance, but it is common for homeowners with significant assets.
Can I get umbrella insurance if I have a teenage driver in St. Louis?
Yes, many agents offer umbrella policies that cover household members including teenage drivers. However, the teen must be listed on your primary auto policy. Missouri law requires all drivers to carry liability insurance, and adding a teen increases your risk profile which may affect your umbrella policy cost.
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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.