The top-rated umbrella insurance agent in Niles, Illinois is Guillermo Chavez-Angeles - State Farm Insurance Agent, rated 4.9 stars across 467 reviews. Other highly rated options include Dan De La Cruz - State Farm Insurance Agent, Jeff Curry - State Farm Insurance Agent, Farmers Insurance - Wioletta Kurzatkowski. This directory lists 13 umbrella insurance agents serving Niles.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Guillermo Chavez-Angeles - State Farm Insurance Agent | 7400 N Waukegan Rd Ste 105 | (847) 983-8343 |
| 2 | Dan De La Cruz - State Farm Insurance Agent | 7900 N Milwaukee Ave | (847) 324-9595 |
| 3 | Jeff Curry - State Farm Insurance Agent | 8135 N Milwaukee Ave | (847) 965-3880 |
| 4 | Farmers Insurance - Wioletta Kurzatkowski | 8050 N Milwaukee Ave | (773) 792-9000 |
| 5 | Peter Huynh - State Farm Insurance Agent | 7627 N Milwaukee Ave | (847) 965-1400 |
| 6 | Violetta Wujkowski American Family Insurance | 7636 N Milwaukee Ave | (847) 294-9772 |
| 7 | Bart Balaz: Allstate Insurance | 6954 W Touhy Ave Ste 100 | (847) 588-1200 |
| 8 | Farmers Insurance - Edward Niewinski | 7942 W Oakton St | (773) 569-3327 |
| 9 | Farmers Insurance - Florentina Hainal-Roman | 7777 N Caldwell Ave UNIT 104 | (773) 527-7383 |
| 10 | LS Premier Enterprises Inc. | 8926 N Greenwood Ave #118 | (847) 834-9612 |
Guillermo Chavez-Angeles – State Farm Insurance Agent serves the Niles, Illinois area and its surrounding communities as an umbrella insurance agent. He provides personal liability coverage that extends beyond the limits of standard homeowners and auto policies. This additional protection helps safeguard clients from major claims and lawsuits that could otherwise threaten personal assets. His agency offers umbrella insurance in Niles to residents who seek broader financial security. The office also handles related coverage such as personal liability and excess liability insurance.
Dan De La Cruz - State Farm Insurance Agent in Niles, IL, provides comprehensive umbrella insurance policies that extend liability coverage beyond standard home and auto limits. Service plans include free policy reviews to assess client risk exposure and annual coverage adjustments to match changing lifestyle needs. The agency offers straightforward options for increasing personal liability protection against major claims and lawsuits. It services single-family homes, apartments, retail locations, and restaurants.
Jeff Curry - State Farm Insurance Agent in Niles, Illinois, serves homeowners, small businesses, and property managers seeking umbrella liability coverage to protect assets beyond standard policy limits. The agency helps clients in the Chicago area safeguard against major claims and lawsuits by offering personalized risk assessments. Coverage extends to additional liability protection for rental properties and personal activities. Jeff Curry also provides services to residents in Park Ridge and the surrounding Des Plaines communities.
In Niles, IL, Farmers Insurance - Wioletta Kurzatkowski provides umbrella insurance, where a one-time policy offers coverage exceeding standard liability limits for a single major incident, whereas recurring service ensures ongoing protection against multiple claims over time. This supplemental liability extends beyond home and auto policies, safeguarding assets from substantial lawsuits. Service typically operates on a one-time or as-needed basis, allowing clients to request a policy evaluation only when their existing liability exposure increases significantly.
Peter Huynh - State Farm Insurance Agent serves the Niles, Illinois area and its surrounding communities, handling umbrella insurance policies that provide additional liability coverage beyond standard home and auto limits. The agency addresses the need for increased protection against major claims or lawsuits, with a process that reviews existing personal policies to identify potential gaps. It then assesses the client’s specific risk exposure to recommend an appropriate coverage layer, and works to ensure a seamless integration with underlying insurance plans.
Violetta Wujkowski American Family Insurance offers specialty umbrella insurance policies designed to provide extra liability coverage beyond standard home and auto limits. It also serves clients in Niles, IL, with general insurance consultations and policy management for personal risk protection. This additional coverage can be crucial during the winter season, when icy sidewalks and driveway mishaps on residential property increase the likelihood of injury-related claims that exceed primary policy limits.
When severe weather sweeps through Niles, IL, homeowners often consider the liability gaps a standard policy may leave uncovered. Bart Balaz: Allstone Insurance helps local residents and property owners secure umbrella insurance, an extra layer of financial protection that kicks in after a base policy’s limit is exhausted. This coverage is especially relevant for households with multiple vehicles or pets. The process begins by arranging an initial consultation at the office, where a review of current policy terms and the client’s personal exposure guides the first assessment step.
Based at the Niles, Illinois location, Farmers Insurance agent Edward Niewinski assists local homeowners with securing personal umbrella liability protection. This essential residential layer of coverage provides added financial security above a standard auto or home policy. Commercial umbrella insurance is also available to help safeguard area businesses against major claims and lawsuits. This agency serves clients throughout the greater Niles region and northern Cook County. Many customers return to their agent for schedule reviews or policy adjustments between their regular term renewals.
Farmers Insurance - Florentina Hainal-Roman provides personal and commercial insurance coverage in the Niles, Illinois area. As an umbrella insurance agent, the company helps clients add extra liability protection beyond standard policy limits. This specialized coverage can shield personal assets from major claims or lawsuits. The agency advises on broader risk management strategies for small businesses and individual policyholders alike. Commercial clients may include offices seeking general liability safeguards, warehouses requiring higher coverage limits, and food service operations needing protection against customer injury or property damage.
What Does an a Umbrella Insurance Agent in Niles Cost?
The cost for a personal umbrella insurance policy in Illinois typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 to 5 million dollars, may cost between 300 and 800 dollars annually. Factors like your driving record, number of properties, and underlying policy limits affect the premium. This is general information and not insurance advice.
About umbrella insurance agents in Niles
An umbrella insurance agent in Niles, Illinois can help you secure additional liability coverage that goes beyond the limits of your auto or homeowners policy. This type of policy is especially relevant in Illinois because the state has a high rate of personal injury lawsuits and does not cap damages in many civil cases. Working with a local agent ensures you understand how Illinois liability laws may affect your coverage needs.
Frequently Asked Questions
What does an umbrella insurance agent in Niles do?
An umbrella insurance agent helps you purchase a personal umbrella liability policy that provides extra coverage above your existing auto and home insurance. The agent assesses your assets and risk exposure to recommend an appropriate coverage limit. They also explain how the policy interacts with your underlying insurance in Illinois.
How much umbrella coverage do I need in Illinois?
The amount of umbrella coverage you need depends on your net worth, income, and potential liability risks. Many agents suggest starting with 1 million dollars in coverage, which is the typical minimum policy limit in Illinois. A local agent can help you calculate a suitable amount based on your assets and Illinois liability trends.
Can an umbrella policy cover lawsuits in Illinois?
Yes, an umbrella policy can cover legal defense costs and settlements for covered claims, such as bodily injury or property damage lawsuits. In Illinois, there is no cap on compensatory damages in personal injury cases, so umbrella coverage is important to protect against large judgments. The policy also covers certain claims that your primary insurance may exclude.
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