The top-rated umbrella insurance agent in Bozeman, Montana is Proper Insurance Services, rated 5.0 stars across 792 reviews. Other highly rated options include Bethany Lentz - State Farm Insurance Agent, Brad Daws - State Farm Insurance Agent, Insurance Unlimited of Bozeman. This directory lists 20 umbrella insurance agents serving Bozeman.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Proper Insurance Services | 40 Enterprise Blvd Suite 201 | (888) 631-6680 |
| 2 | Bethany Lentz - State Farm Insurance Agent | 3960 Valley Commons Dr Unit 2 | (406) 624-6767 |
| 3 | Brad Daws - State Farm Insurance Agent | 1716 W Main St STE 2 | (406) 587-4010 |
| 4 | Insurance Unlimited of Bozeman | 1425 W Main St STE. D | (406) 586-1818 |
| 5 | Big Sky Benefit Solutions | 219 N 19th Ave | (406) 404-1414 |
| 6 | Big Sky Insurance Lanphear Agency | 301 Edelweiss Dr # 5 | (406) 586-5449 |
| 7 | Bridger Insurance Agency | 389 S Ferguson Ave | (406) 922-5110 |
| 8 | Maxwell McDonough at Comparion Insurance Agency | 4575 Valley Commons Dr Suite 203 | (406) 200-6634 |
| 9 | Western Horizon Insurance LLC | 43 Mill Town Lp Unit C | (406) 388-2231 |
| 10 | Bissell Insurance Agency | 4055 Valley Commons Dr | (406) 586-6230 |
Proper Insurance Services serves Bozeman and the surrounding Gallatin County area as an umbrella insurance agent. Umbrella coverage offers additional liability protection beyond standard homeowner and auto policies, helping safeguard personal assets from major claims or lawsuits. Policyholders receive broader coverage for incidents like property damage, bodily injury, or legal defense costs not covered by underlying policies. The agency assists clients in securing liability umbrella policies and evaluating personal risk exposure in the region.
Bethany Lentz - State Farm Insurance Agent in Bozeman, MT, offers umbrella insurance services that provide extended liability coverage beyond standard policies. The agent helps clients assess their exposure and secure a layered protection plan to safeguard assets in the event of a major claim or lawsuit. Routine policy reviews are available to adjust limits as needs change. This coverage protects a range of properties, from single-family homes and apartments to retail spaces and restaurants.
Serving homeowners, property managers, and small businesses in Bozeman, this agency provides umbrella insurance policies designed to offer extra liability protection beyond standard coverage limits. The agent helps clients understand how an umbrella policy can safeguard personal assets and future earnings against major claims or lawsuits. Comprehensive risk assessment and policy recommendations are tailored to each customer’s specific needs and property portfolio. The agency also extends its services to clients throughout the greater Gallatin Valley, including the Four Corners area.
Insurance Unlimited of Bozeman serves clients in Bozeman and the surrounding Gallatin Valley communities. It handles umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. This type of policy helps protect personal assets and future earnings from major claims or lawsuits. The agency takes time to review each client's existing underlying policies to identify coverage gaps. It then recommends an appropriate amount of additional liability protection to match individual risk levels and financial situations.
Big Sky Benefit Solutions in Bozeman, MT, provides umbrella insurance coverage to extend liability protection beyond standard auto and homeowners policies. This service typically involves a one-time policy setup for a single umbrella limit, though recurring annual renewals are available to maintain ongoing coverage as personal assets and risks evolve. Policies are tailored to shield against large claims or lawsuits that might otherwise exceed primary policy limits. Service operates on an as-needed basis, with clients able to initiate a quote or adjust their coverage anytime their circumstances change.
Big Sky Insurance Lanphear Agency provides umbrella insurance agent services in Bozeman, Montana, offering liability coverage that extends beyond standard policy limits. It also assists clients with general insurance needs, helping to protect assets from unforeseen claims. This work addresses gaps in homeowners or auto policies that could expose individuals to significant financial risk. A common seasonal concern it helps with involves winter-related incidents, such as icy sidewalks or rental property issues common in Montana’s long snow season, where additional protection becomes particularly valuable.
Bridger Insurance Agency serves individuals and businesses in Bozeman, Montana, focusing on property and liability coverage. The firm also acts as an umbrella insurance agent, offering extra liability layers that extend beyond standard policy limits to protect against major claims or lawsuits. This specialized coverage helps clients manage significant financial risks, providing added security for assets and future earnings. The agency can support commercial sectors including offices, warehouses, and food service operations.
Maxwell McDonough at Comparion Insurance Agency provides residential umbrella insurance services in Bozeman, Montana, complementing homeowners and auto policies with added liability protection. Commercial coverage for local businesses is also offered, serving clients throughout the Bozeman area. The agency coordinates directly with primary insurers to ensure seamless policy limits and coverage gaps are addressed. After an initial policy is placed, clients receive periodic follow-up to review changes in assets or risk, which often leads to repeat service between regular visits.
Western Horizon Insurance LLC in Bozeman, MT is known for providing tailored umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Its service range includes personal and commercial umbrella solutions for Montana residents, offering an additional layer of protection against costly lawsuits and major claims. The company works with local clients to evaluate their specific risk exposure. A specialty service it can add on is coverage for rental property liability.
In Bozeman, Montana, where sudden hailstorms and heavy snow loads threaten property, umbrella insurance agents provide crucial extra liability protection beyond standard policies. Bissell Insurance Agency assists residents in this area by explaining how personal umbrella coverage can safeguard assets after underlying home or auto limits are exhausted. These policies often cover legal defense costs for claims involving accidents on your property or in your vehicle. The agency’s process for new clients typically begins with a review of existing policies and a no-obligation consultation to assess individual exposure levels.
What Does an a Umbrella Insurance Agent in Bozeman Cost?
In Montana umbrella insurance typically costs between 150 and 350 dollars per year for one million dollars in coverage. Costs are lower than many people expect because the policy only activates after your underlying limits are used. Premiums vary based on your driving record property value and number of rental properties. This is general information and not insurance advice.
About umbrella insurance agents in Bozeman
Umbrella insurance agents in Bozeman Montana help you secure extra liability coverage that goes beyond your home and auto policies. Montana law does not require umbrella insurance but it can protect your savings and future earnings from large claims. Local agents understand the unique risks of living in a mountain community with outdoor recreation and seasonal tourism.
Frequently Asked Questions
What does an umbrella insurance agent in Bozeman do?
An umbrella insurance agent helps you buy a policy that provides additional liability coverage above your existing home and auto limits. In Montana this extra layer can cover incidents like a guest injured on your property or a car accident where you are at fault. The agent reviews your current policies and recommends a coverage amount that fits your assets and lifestyle.
How much umbrella insurance do I need in Montana?
Most agents recommend at least one million dollars in umbrella coverage for Montana homeowners. This amount can protect against common risks like a skiing accident or a dog bite claim. Your agent will calculate the right limit based on your net worth and potential liability exposure.
Does Montana law affect umbrella insurance requirements?
Montana does not have a state law requiring umbrella insurance but your auto or home insurer may have minimum underlying limits. For example you might need at least 300 thousand dollars in auto liability coverage before you can add an umbrella policy. Your agent will check these requirements to ensure your coverage is valid.
Umbrella Insurance Agents in Other Montana Cities
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