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Find Umbrella Insurance Agents Near You in Helena, MT

Browse umbrella insurance agents serving Helena, Montana. Updated 2026-07-14.

The top-rated umbrella insurance agent in Helena, Montana is Jon Miller - State Farm Insurance Agent, rated 4.9 stars across 101 reviews. Other highly rated options include Rocky Mountain Insurance Group, Bison Insurance, PLLC, Cochrane Insurance Agency. This directory lists 18 umbrella insurance agents serving Helena.

Showing 18 umbrella insurance agents in Helena, MTListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Jon Miller - State Farm Insurance Agent900 N Last Chance Gulch #103(406) 502-2200
2Rocky Mountain Insurance Group1111 N Rodney St Suite 3(406) 422-4437
3Bison Insurance, PLLC3171 N Montana Ave(406) 442-1414
4Cochrane Insurance Agency201 E Lyndale Ave(406) 442-6700
5MATHIS INSURANCE AGENCY LLC1313 11th Ave(406) 442-9680
6Marsh McLennan Agency1108 Livingston Ave(406) 442-5360
7Insurance Unlimited1040 Helena Ave(406) 442-4144
8Leavitt Great West3067 Cabernet Dr Suite 3(406) 443-1060
9Farmers Insurance - Michael Flies1752 N Montana Ave(406) 442-8286
10Farmers Insurance - Bryan Louden1225 Birch St Ste A(406) 442-7004
JM
900 N Last Chance Gulch #103
Jon Miller - State Farm Insurance Agent
Umbrella Insurance Agent · Helena, MT

Jon Miller - State Farm Insurance Agent serves the Helena, Montana area and surrounding communities as a resource for umbrella insurance coverage. The agency helps clients secure additional liability protection that extends beyond the limits of standard home and auto policies. This type of coverage is designed to safeguard personal assets against major claims or lawsuits. The agent works with individuals and families evaluating their financial exposure and policy options. Among specific services handled are personal umbrella liability policies and excess liability coverage over existing homeowners and automobile insurance.

RM
1111 N Rodney St Suite 3
Rocky Mountain Insurance Group
Umbrella Insurance Agent · Helena, MT

Rocky Mountain Insurance Group in Helena, MT provides local residents and businesses with personalized umbrella insurance agent services and coverage solutions. It works closely with clients to assess their liability needs and tailor policies for added protection beyond standard limits. Ongoing policy reviews and claims assistance are offered to ensure coverage remains appropriate over time. The company services single-family homes, apartments, retail establishments, and restaurants throughout the region.

BI
3171 N Montana Ave
Bison Insurance, PLLC
Umbrella Insurance Agent · Helena, MT

Bison Insurance, PLLC serves homeowners, businesses, and property managers in Helena, MT, by providing umbrella insurance policies that extend additional liability coverage beyond standard home and auto limits. These policies help protect clients from major claims or lawsuits that could otherwise threaten personal assets. The agency evaluates each client’s unique exposure to recommend appropriate coverage levels for their specific property and operational risks. Beyond its Helena base, Bison Insurance also serves clients throughout Lewis and Clark County, including the neighboring community of East Helena.

CI
201 E Lyndale Ave
Cochrane Insurance Agency
Umbrella Insurance Agent · Helena, MT

Cochrane Insurance Agency serves Helena, Montana, and the surrounding communities, handling umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. This type of policy protects clients from major claims and lawsuits, offering an extra layer of financial security. For a typical job, the agency reviews the client’s existing policies to identify coverage gaps, then matches a personal umbrella policy that adds a broad shield of protection without overlapping existing coverage.

MI
1313 11th Ave
MATHIS INSURANCE AGENCY LLC
Umbrella Insurance Agent · Helena, MT

For umbrella insurance, clients choose between a one-time policy review or an ongoing relationship with annual adjustments. MATHIS INSURANCE AGENCY LLC in Helena, MT provides coverage that extends underlying liability limits, protecting assets beyond standard home or auto policies. This additional layer applies to Montana property owners and renters facing large claims or lawsuits. The agency makes its service available on either a one-time basis for a single review or an as-needed schedule when circumstances change.

MM
1108 Livingston Ave
Marsh McLennan Agency
Umbrella Insurance Agent · Helena, MT

Marsh McLennan Agency provides specialized umbrella insurance coverage designed to extend liability protection beyond standard policy limits. Its general service work in Helena, Montana, involves assessing individual client risk exposures to offer appropriate excess liability solutions. Whether facing potential claims from a dog bite, a rental property incident, or a severe auto accident, the agency helps address financial gaps other policies may leave. It assists local residents and business owners during the winter months, when icy conditions frequently lead to costly slip-and-fall accidents.

IU
1040 Helena Ave
Insurance Unlimited
Umbrella Insurance Agent · Helena, MT

Insurance Unlimited in Helena, MT offers specialized umbrella insurance agent services, providing an extra layer of personal liability coverage beyond standard auto and homeowners policies. It generally assists clients across the area in protecting their assets against major claims and lawsuits. This additional policy becomes especially valuable during the winter season when ice and snow increase the risk of slip-and-fall incidents on residential properties in Helena.

LG
3067 Cabernet Dr Suite 3
Leavitt Great West
Umbrella Insurance Agent · Helena, MT

Leavitt Great West serves clients in Helena, Montana, by providing general liability coverage for individuals and businesses. The firm expands upon basic protection with customizable umbrella insurance policies that offer additional layers of financial security above standard limits. It addresses risks such as major accidents or unforeseen lawsuits that could exceed primary policy caps. These supplemental options help safeguard assets across a range of commercial sectors, including offices, warehouses, and food service operations.

FI
1752 N Montana Ave
Farmers Insurance - Michael Flies
Umbrella Insurance Agent · Helena, MT

Farmers Insurance - Michael Flies provides umbrella insurance services for homeowners and renters in Helena, Montana. Broader commercial coverage is also available to local small businesses and property owners throughout the area. Policies help protect clients from significant liability claims that exceed standard policy limits. The agency serves these personal and commercial accounts by assisting with coverage questions and claims when needed. Repeat service is offered, ensuring regular policy reviews between annual visits to adjust coverage as circumstances change.

FI
1225 Birch St Ste A
Farmers Insurance - Bryan Louden
Umbrella Insurance Agent · Helena, MT
FB
64 Medical Park Dr
Farm Bureau Insurance Tom Schulke and Sean Cirullo
Umbrella Insurance Agent · Helena, MT
(406) 442-8988
FI
2210 N Cooke St Ste 2
Farmers Insurance - Lynda Reisbeck
Umbrella Insurance Agent · Helena, MT
(406) 442-9688
agents.farmers.com/mt/helena/lynda-reisbeck
FI
1117 Helena Ave
Farmers Insurance - Michael Christensen
Umbrella Insurance Agent · Helena, MT
(406) 442-0700
agents.farmers.com/mt/helena/michael-christensen
WI
1205 Butte Ave STE 4
Wolf Insurance Services -Russ & Denise Wolf
Umbrella Insurance Agent · Helena, MT
(406) 443-0111
wolfinsurancemt.com
FB
64 Medical Park Dr Suite B
Farm Bureau Financial Services - Dustin Gillaspie
Umbrella Insurance Agent · Helena, MT
(406) 442-0456
fbfs.com
FU
2100 N Last Chance Gulch
Farmers Union Insurance
Umbrella Insurance Agent · Helena, MT
(406) 443-4630
fumico.net
FB
64 Medical Park Dr Suite A
Farm Bureau Financial Services (Sean Cirullo & Jerad Grove)
Umbrella Insurance Agent · Helena, MT
(406) 442-8988
mwfbi.com
WI
3224 Centennial Dr
Willoughby Insurance Services LLC
Umbrella Insurance Agent · Helena, MT
(406) 285-1669
iinsureyoumt.com

What Does an a Umbrella Insurance Agent in Helena Cost?

The cost of umbrella insurance in Montana typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million may cost 300 to 600 dollars annually. Actual premiums depend on your risk factors such as driving record number of properties and number of vehicles. This is general information not insurance advice.

About umbrella insurance agents in Helena

Umbrella insurance agents in Helena Montana help you add a layer of liability protection above your auto and homeowners policies. Montana law does not require umbrella insurance but it can cover gaps in standard coverage. Local agents understand the risks of outdoor recreation and winter driving common in the Helena area.

Frequently Asked Questions

What does an umbrella insurance agent in Helena do?

An umbrella insurance agent in Helena helps you assess your liability risks and find a policy that extends coverage limits. They review your existing auto and home policies to recommend an appropriate umbrella limit. This can protect your savings and future income from large lawsuits.

How much umbrella insurance do I need in Montana?

Most umbrella policies start at 1 million dollars in coverage. Many Helena agents suggest at least 1 to 2 million if you own property or have significant assets. Your agent will consider your net worth and potential risks like recreational vehicles or rental properties.

Can I buy umbrella insurance without a home or auto policy?

No. Umbrella insurance requires an underlying auto or homeowners policy with minimum liability limits. In Montana those minimums are typically 25 thousand per person and 50 thousand per accident for bodily injury. Your agent will check that your base policies meet the carrier requirements.

Umbrella Insurance Agents in Other Montana Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.