ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Umbrella Insurance Agents Near You in West Fargo, ND

Browse umbrella insurance agents serving West Fargo, North Dakota. Updated 2026-07-14.

The top-rated umbrella insurance agent in West Fargo, North Dakota is Ryan Kill - State Farm Insurance Agent, rated 4.9 stars across 546 reviews. Other highly rated options include Renee Forde - State Farm Insurance Agent, Farmers Union Insurance - Justin Heisler Agency, HUB International. This directory lists 12 umbrella insurance agents serving West Fargo.

Showing 12 umbrella insurance agents in West Fargo, NDListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Ryan Kill - State Farm Insurance Agent540 Oak Ridge Way E(701) 893-3000
2Renee Forde - State Farm Insurance Agent3139 Bluestem Dr Ste 104(701) 280-2811
3Farmers Union Insurance - Justin Heisler Agency623 East Main(701) 318-7228
4HUB International3220 4th St E #201(701) 239-4647
5Linster Agency, LLC158 W Beaton Dr Suite 200(701) 781-2546
6Absolute Insurance Agency, LLC1241 Prairie Pkwy Suite 120(701) 365-0515
7Ihry Insurance Agency, Inc.1291 13th Ave E(701) 557-1727
8Tci Insurance Agency, Inc.158 W Beaton Dr #100(701) 277-1710
9Fredrick Hage: Allstate Insurance3163 Bluestem Dr Ste 105(701) 566-5575
10Integrity First Insurance213 1/2 Main Ave E(701) 532-1123
RK
540 Oak Ridge Way E
Ryan Kill - State Farm Insurance Agent
Umbrella Insurance Agent · West Fargo, ND

Ryan Kill - State Farm Insurance Agent serves the West Fargo, ND metro area and surrounding Cass County as an umbrella insurance agent. The agency provides personal liability protection that extends beyond standard homeowner and auto policy limits. Clients require umbrella coverage to safeguard their assets from major claims. The agency helps individuals assess their exposure and secure appropriate broad liability protection. Specific services handled include personal umbrella policies for household asset defense and excess liability coverage for auto and home exposures.

RF
3139 Bluestem Dr Ste 104
Renee Forde - State Farm Insurance Agent
Umbrella Insurance Agent · West Fargo, ND

Renee Forde - State Farm Insurance Agent in West Fargo, ND, provides umbrella insurance coverage tailored to protect against major liability claims and significant property exposures. This agency offers ongoing policy reviews and simple plan adjustments to keep coverage aligned with client needs, ensuring no gaps in protection arise over time. Umbrella policies are designed to supplement underlying home and auto liability limits, adding extra security. The firm serves a diverse range of property types, including single-family homes, apartments, retail locations, and restaurants.

FU
623 East Main
Farmers Union Insurance - Justin Heisler Agency
Umbrella Insurance Agent · West Fargo, ND

Farmers Union Insurance - Justin Heisler Agency serves West Fargo and the surrounding Red River Valley communities, handling umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. This extra protection helps safeguard personal assets from major claims or lawsuits. The agency carefully assesses each client’s existing policies and risk exposure to recommend appropriate coverage levels. For a typical job, it reviews current policy limits, explains how umbrella coverage fills gaps, and coordinates with other insurers to ensure seamless integration and efficient claim handling.

HI
3220 4th St E #201
HUB International
Umbrella Insurance Agent · West Fargo, ND

Homeowners, businesses, and property managers rely on HUB International for umbrella insurance policies that extend liability coverage beyond standard limits. This agency helps clients protect assets by bridging gaps in existing insurance while offering guidance on risk management for properties and operations across the region. Additional coverage options support those who face increased exposure from rental units or commercial liability concerns. Serving West Fargo, ND, HUB International also covers nearby areas within the Fargo-Moorhead metro, including the city of Moorhead across the Red River.

LA
158 W Beaton Dr Suite 200
Linster Agency, LLC
Umbrella Insurance Agent · West Fargo, ND

Linster Agency, LLC in West Fargo, ND, distinguishes between one-time risk assessments and recurring policy reviews to ensure long-term coverage needs are met. As an umbrella insurance agent, the agency focuses on providing additional liability protection that extends beyond standard home and auto policy limits. Services are available on a scheduled basis, with routine policy audits and updates conducted to keep coverage aligned with changing assets and exposures for local clients.

AI
1241 Prairie Pkwy Suite 120
Absolute Insurance Agency, LLC
Umbrella Insurance Agent · West Fargo, ND

Absolute Insurance Agency, LLC provides specialized umbrella insurance coverage to extend liability protection beyond standard policies in West Fargo, ND. Its agents assist clients with assessing personal and business risks to determine appropriate coverage limits that safeguard assets against major claims or lawsuits. The agency serves homeowners, drivers, and small business operators seeking added financial security for unexpected incidents. It helps clients prepare for seasonal hazards such as winter slip-and-fall accidents on icy driveways or summer guest injuries at poolside gatherings.

II
1291 13th Ave E
Ihry Insurance Agency, Inc.
Umbrella Insurance Agent · West Fargo, ND

When the spring thaw and unpredictable severe weather hit the Red River Valley, homeowners in West Fargo often review their liability exposure on their property. Ihry Insurance Agency, Inc. serves as an umbrella insurance agent to provide additional liability coverage that extends beyond standard home and auto policies. This extra layer of protection helps safeguard local assets and future earnings from major claims or lawsuits. Their process begins with a review of your current policies and a discussion of your assets during an initial personal consultation.

TI
158 W Beaton Dr #100
Tci Insurance Agency, Inc.
Umbrella Insurance Agent · West Fargo, ND

Tci Insurance Agency, Inc. provides personal and commercial insurance coverage solutions to clients in the West Fargo area. Their service specialty includes offering umbrella insurance policies that extend liability protection beyond standard limits. These policies help safeguard assets from large claims and lawsuits with broad coverage layers. The agency serves a range of commercial sectors, including offices, warehouses, and food service establishments.

FH
3163 Bluestem Dr Ste 105
Fredrick Hage: Allstate Insurance
Umbrella Insurance Agent · West Fargo, ND

Fredrick Hage: Allstate Insurance in West Fargo, ND, provides residential umbrella insurance coverage that protects homeowners from liability claims exceeding standard policy limits. The agency also offers commercial umbrella policies for local businesses, serving clients throughout the West Fargo area and surrounding communities. Additional coverage options can help fill gaps in existing liability protections for both personal and commercial properties. Follow-up consultations are available between regular service visits to adjust coverage as personal or business needs evolve.

IF
213 1/2 Main Ave E
Integrity First Insurance
Umbrella Insurance Agent · West Fargo, ND

Integrity First Insurance, based in West Fargo, ND, is known for providing personalized umbrella liability insurance solutions to local residents and businesses. Its service range includes assessing individual asset exposure and offering excess liability coverage that extends beyond standard homeowners and auto policies. The agency helps clients safeguard savings and future earnings against major claims or lawsuits. A specialty service it can add on is tailored coverage for rental properties and secondary vehicles.

CH
722 13th Ave E
Chris Heise Agency Inc American Family Insurance
Umbrella Insurance Agent · West Fargo, ND
(701) 293-0798
amfam.com/agents/north-dakota/west-fargo/christopher-heise
OI
634 1st Ave E
Optima Insurance Solutions
Umbrella Insurance Agent · West Fargo, ND
(701) 773-4080
sr22westfargo.com

What Does an a Umbrella Insurance Agent in West Fargo Cost?

Typical costs for an umbrella insurance policy in North Dakota range from 150 to 300 per year for 1 million in coverage. Premiums increase with higher limits, such as 2 million costing around 250 to 500 annually. Factors like your driving record, number of properties, and claims history affect the price. This is general information and not insurance advice.

About umbrella insurance agents in West Fargo

An umbrella insurance agent in West Fargo North Dakota helps you secure extra liability coverage that goes beyond your auto or homeowners policy limits. North Dakota law requires minimum auto liability limits of 25,000 per person and 50,000 per accident, but a personal umbrella policy can provide 1 million or more in additional protection. This is especially important for West Fargo residents who own rental properties or have recreational vehicles like snowmobiles or boats.

Frequently Asked Questions

What does an umbrella insurance agent in West Fargo do?

An umbrella insurance agent helps you purchase a personal liability policy that covers claims exceeding your primary insurance limits. This agent assesses your assets and risks, such as a home or vehicle, to recommend appropriate coverage amounts.

Who needs umbrella insurance in North Dakota?

Anyone with significant assets or high liability risks should consider umbrella insurance. This includes homeowners with swimming pools, landlords with rental properties, and drivers with multiple vehicles or a history of accidents.

How much umbrella coverage do I need in West Fargo?

Most agents recommend at least 1 million in coverage, but the right amount depends on your net worth and potential lawsuit exposure. North Dakota courts allow large judgments, so higher limits may be wise if you have substantial savings or business interests.

Umbrella Insurance Agents in Other North Dakota 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.