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Umbrella Insurance

Get help finding quality umbrella insurance

Get umbrella insurance quotes fast and free from up to 25 insurance companies. We comparison shop to help you find great coverage, personalized to your needs, without overpaying. And if your needs change in the future, we can help you find a new insurance company that better aligns with your changing lifestyle. Serving MN, IA, & WI from our office in Rochester, MN. Request quotes or contact us to get started.

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What is umbrella insurance?

Umbrella insurance adds additional liability coverage to your other insurance policies. For example, a $1 million umbrella policy adds an additional $1M in liability coverage to your auto insurance, home insurance, and other “underlying” policies.

With the increasing cost of medical services and inflation in general, it has become more important than ever to have higher limits on your liability insurance. An umbrella can add up to several million in coverage and you might be surprised how cost effective it can be.

There are many coverages available. We can help walk you through the options and explain the pros and cons of each.

If you’d like to learn more about the basics of umbrella insurance, contact us, or check out info from the Insurance Information Institute.

How to find great umbrella insurance rates

1. Figure out what coverage you need

It’s important to know what you’re looking for before getting quotes. Some companies will undercut price by removing valuable coverage. If you aren’t sure what coverage you need, we’ll help you out!

2. Get quotes from a bunch of insurance companies

Insurance companies target different customers based on a variety of factors, including age, driving history, location, and much more. It’s difficult to know which companies will offer the best rates, so you just need to get quotes from a lot of them. Fortunately, we take care of the comparison shopping for you!

Umbrella Insurance Coverage

There are many coverage options available. Below are some common coverages but this is not an exhaustive list. Upon learning more about your situation, we can suggest coverages that might be a good fit.

Auto liability

Covers auto liability claims in excess of your auto insurance policy limits.

Personal liability

Covers personal liability claims in excess of your homeowners insurance policy limits.

Worldwide coverage

Covers liability exposures even while you’re travelling abroad.


Covers um/uim claims in excess of your auto insurance policy limits.

Watercraft liability

Covers watercraft liability claims in excess of your boat insurance policy limits.

Insurance Companies

We strive to work with highly rated insurance companies in order to provide our clients with quality coverage at a great price. Below is a partial list of companies we offer. We are constantly exploring new partnerships and adding additional options, so check back often to see our updated list of carrier partners.

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We compare rates to help you find quality coverage at a great price.