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Directory of umbrella insurance agents in Iowa City, Iowa. Verify credentials with the state department of insurance before hiring.
16 agents listed
Updated May 2026
Iowa City, IA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Iowa before hiring.
Showing 16 umbrella insurance agents in Iowa City, IA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Chad Burtch - State Farm Insurance Agent
1929 Keokuk St, Iowa City, IA 52240
(319) 351-1001
chadburtch.com
Carolina Espinoza - State Farm Insurance Agent
343 Scott Ct, Iowa City, IA 52245
(319) 337-7000
carolinaespinoza.com
AAA Iowa City
660 Eastbury Dr UNIT 1, Iowa City, IA 52245
(319) 354-1662
locator.acg.aaa.com
Nanci Kohl - State Farm Insurance Agent
431 Hwy 1 W, Iowa City, IA 52246
(319) 338-6200
nancikohl.com
Relion Insurance Solutions
24 Westside Dr, Iowa City, IA 52246
(319) 887-3700
relion-ins.com
Andrew Pelzer American Family Insurance
2730 Naples Ave SW Ste 100, Iowa City, IA 52240
(319) 338-7571
amfam.com
Farmers Insurance - Jeffrey Ruhlow
1110 N Dodge St, Iowa City, IA 52245
(319) 354-6541
agents.farmers.com
John Raley American Family Insurance
24 N Van Buren St, Iowa City, IA 52245
(319) 338-9491
amfam.com
Gaffey Insurance
237 Scott Ct, Iowa City, IA 52245
(319) 358-0111
gaffeyinsurance.com
Farm Bureau Financial Services: Brad Stimmel
1402 Willow Creek Ct, Iowa City, IA 52246
(319) 519-6885
fbfs.com
Joshua Boyce American Family Insurance
2127 Muscatine Ave, Iowa City, IA 52240
(319) 351-0707
amfam.com
Boyd Murray - State Farm Insurance Agent
1570 S 1st Ave, Iowa City, IA 52240
(319) 338-9417
boydmurray.com
Emporium Insurance Agency, LLC
332 S Linn St suite 8, Iowa City, IA 52240
(319) 333-7000
emporiuminsuranceagency.com
Farmers Insurance - Donald Becker
1114 N Dodge St, Iowa City, IA 52245
(319) 341-9200
agents.farmers.com
CPS Insurance office
1840 S Gilbert St, Iowa City, IA 52240
(319) 248-5535
insuranceadvisorsusa.wordpress.com
Marsh
2610 Northgate Dr, Iowa City, IA 52244
(319) 887-4000
marsh.com
Umbrella insurance agents in Iowa City help you secure additional liability coverage that goes beyond your home and auto policies. Iowa law requires minimum auto liability limits, but an umbrella policy can provide extra protection for accidents or lawsuits. Local agents understand the specific risks for Iowa City residents, such as severe weather or university-related activities.
What Does a Umbrella Insurance Agent in Iowa City Cost?
Umbrella insurance in Iowa typically costs between 150 and 350 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 or 5 million dollars, may cost 200 to 600 dollars annually. Premiums vary based on your location in Iowa City, the number of vehicles, and your claims history. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Iowa City do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims exceeding your standard insurance limits. They assess your assets and risks to recommend an appropriate coverage amount. Iowa City agents can also explain how umbrella policies interact with local liability laws.
How much umbrella insurance do I need in Iowa?
Most Iowa agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth and potential risks. Iowa law does not set a specific minimum for umbrella policies. Your agent can help you calculate a suitable limit based on your home, vehicles, and other assets.
Does umbrella insurance cover legal defense costs in Iowa?
Yes, umbrella policies typically cover legal defense costs for covered claims, even if the lawsuit is groundless. Iowa courts follow the American Rule where each party pays its own attorney fees unless a contract or statute says otherwise. Your umbrella policy can help cover these costs up to the policy limit.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Iowa.