The top-rated umbrella insurance agent in Lewiston, Idaho is Melody Sandahl - State Farm Insurance Agent, rated 5.0 stars across 802 reviews. Other highly rated options include Murray Insurance, Martin Insurance Inc, American Insurance. This directory lists 18 umbrella insurance agents serving Lewiston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Melody Sandahl - State Farm Insurance Agent | 1442 Idaho St | (208) 816-4823 |
| 2 | Murray Insurance | 1920 19th Ave | (208) 743-4880 |
| 3 | Martin Insurance Inc | 1122 Idaho St | (208) 743-6543 |
| 4 | American Insurance | 55 Southway Ave | (208) 746-9646 |
| 5 | Farm Bureau Insurance - Robie & Orellana Insurance Agency | 609 Bryden Ave | (208) 758-9010 |
| 6 | Farmers Insurance - Albert Reagan | 618 D St Ste B | (208) 743-5441 |
| 7 | Farmers Insurance - Gregory Kimberling | 622 Bryden Ave | (208) 746-1326 |
| 8 | Richard Woods | 1053 21st St | (208) 746-7046 |
| 9 | Amanda Wilhelm - COUNTRY Financial Agent | 1630 23rd Ave Suite 701a | (208) 803-6998 |
| 10 | Clearwater Insurance- Camas Prairie Insurance | 701 Bryden Ave | (208) 746-6184 |
Melody Sandahl - State Farm Insurance Agent serves Lewiston, Idaho, offering umbrella insurance coverage to local residents and businesses. This type of policy provides additional liability protection beyond standard home and auto limits, helping safeguard personal assets against unexpected claims. Umbrella insurance can cover costs from major accidents or incidents where a regular policy might not be enough. The agency assists clients in evaluating their individual exposure and selecting appropriate coverage levels. It also handles general home and auto insurance applications in this area.
Murray Insurance provides umbrella insurance services to clients throughout the Lewiston, Idaho area, offering coverage that extends beyond standard liability policies. The company helps customers secure additional protection to shield their assets and future earnings from large claims or lawsuits. Service plans are tailored to evaluate individual risk exposures and maintain adequate policy limits as circumstances change. Ongoing support includes policy reviews to ensure coverage adapts to new properties or life events. The company services single-family homes, apartments, retail establishments, and restaurants.
Martin Insurance Inc in Lewiston, ID, serves homeowners, businesses, and property managers who require added liability protection through umbrella insurance policies. The agency explains how umbrella coverage extends beyond standard home and auto policy limits to provide higher financial safety. It assists clients during policy selection and filing paperwork with carriers. Risk discussions focus on property liability exposures common in the area. Martin Insurance Inc also serves customers in Clarkston and other parts of the Lewiston-Clarkston Valley.
American Insurance serves Lewiston, Idaho, and the surrounding Nez Perce County communities. It handles umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. This type of protection helps guard against major claims and lawsuits that could otherwise exhaust a client’s existing policies. The company reviews each client’s current assets and existing coverage details to determine the appropriate additional layer of protection. It works through a careful assessment of individual risk factors to recommend an appropriate policy limit.
Farm Bureau Insurance - Robie & Orellana Insurance Agency in Lewiston, ID, serves clients seeking umbrella insurance agent services through distinct one-time consultations for initial policy review or recurring annual policy adjustments. Their umbrella coverage extends liability protection beyond standard home and auto policies, safeguarding assets from major claims. This agency offers both scheduled reviews for ongoing policy updates and as-needed appointments for urgent coverage questions.
Farmers Insurance - Albert Reagan in Lewiston, ID specializes in umbrella insurance policies, offering increased personal liability coverage that extends beyond standard home and auto policies. It generally serves local residents by helping them protect assets and future earnings from large claims or lawsuits. The agency assists with assessing individual risk and tailoring extra layers of financial security. This concentrated protection can be especially useful during the winter season when ice and snow on walkways increase the potential for serious slip-and-fall accidents on a homeowner’s property.
As spring storms and winter snowmelt raise the risk of water damage across the Lewiston area, homeowners often face unexpected liabilities that exceed standard policy limits. Farmers Insurance agent Gregory Kimberling provides umbrella insurance to increase personal liability coverage, protecting assets from major claims or lawsuits resulting from accidents on the property. This added layer safeguards savings and future income beyond a base homeowners or auto policy. An initial consultation begins with a no-cost review of existing coverages and assets to determine appropriate liability limits.
Richard Woods offers comprehensive liability insurance solutions in the Lewiston area, focusing on general coverage needs. As an umbrella insurance agent, the company provides additional liability layers that extend beyond standard policy limits. This extra coverage helps protect individuals and businesses from major claims and lawsuits not fully covered by underlying policies. Richard Woods assists with securing broader financial safeguards across various property and casualty exposures. The agency serves a range of commercial sectors in and around Lewiston, including local offices, warehouses, and food service operations.
Amanda Wilhelm - COUNTRY Financial Agent in Lewiston, ID, provides umbrella insurance agency services for individuals and families in the local area. An umbrella policy offers extra liability protection beyond standard auto, home, or watercraft insurance limits. It safeguards assets from large claims or lawsuits. The agency serves residents throughout Nez Perce County. Clients can add to their existing coverage for broader financial defense. A specialty service includes advising on personal liability gaps that standard policies may not fully address.
Clearwater Insurance- Camas Prairie Insurance provides residential umbrella insurance services, helping homeowners in Lewiston, Idaho secure extra liability protection beyond standard policies. The agency also extends commercial umbrella coverage to accommodate local businesses requiring broader risk management solutions across the region. By concentrating on this essential layer of liability insurance, the agent assists clients in preparing for unexpected claims that could threaten personal or business assets. Coverage discussions typically occur during policy reviews, with the agency offering follow-up service and adjusting protection levels between regular visits.
What Does an a Umbrella Insurance Agent in Lewiston Cost?
The cost of an umbrella insurance policy in Idaho typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 million or 5 million dollars, may cost 300 to 600 dollars annually. Your actual premium depends on your risk profile, including your driving record, number of properties, and recreational activities. This is general information and not insurance advice.
About umbrella insurance agents in Lewiston
An umbrella insurance agent in Lewiston, Idaho can help you secure extra liability coverage beyond your standard home and auto policies. Idaho law does not require umbrella insurance, but it provides crucial protection against large claims or lawsuits. Local agents understand the risks specific to the Lewis-Clark Valley, including weather-related incidents and recreational activities on the Snake and Clearwater rivers.
Frequently Asked Questions
What does an umbrella insurance agent in Lewiston do?
An umbrella insurance agent in Lewiston helps you purchase a personal liability umbrella policy that adds coverage above your existing home and auto insurance limits. This policy protects your assets, such as your home or savings, if you are sued for damages. The agent can review your current policies and recommend an appropriate coverage amount based on your net worth and risk factors.
How much umbrella insurance do I need in Idaho?
Most Idaho agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your assets and potential risks. For example, if you own a rental property in Lewiston or have a teenage driver, you may need higher limits. Your agent can help you calculate a suitable amount based on your financial situation.
Are there Idaho-specific rules for umbrella insurance?
Idaho follows a comparative fault rule, meaning you can still recover damages even if you are partly at fault, but your award is reduced by your percentage of fault. This makes umbrella coverage valuable in Idaho because a lawsuit could still result in a large judgment against you. There is no state law requiring umbrella insurance, but it is commonly recommended for homeowners and business owners.
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