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Find Umbrella Insurance Agents Near You in Minnetonka, MN

Browse umbrella insurance agents serving Minnetonka, Minnesota. Updated 2026-07-14.

The top-rated umbrella insurance agent in Minnetonka, Minnesota is Joe Breen - State Farm Insurance Agent, rated 4.9 stars across 351 reviews. Other highly rated options include Melinda Bialke: Allstate Insurance, Nesbit Agencies, Trusted Insurance Agency. This directory lists 14 umbrella insurance agents serving Minnetonka.

Showing 14 umbrella insurance agents in Minnetonka, MNListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Joe Breen - State Farm Insurance Agent6001 Shady Oak Rd Suite 260(612) 255-1923
2Melinda Bialke: Allstate Insurance14525 MN-7 Ste 260(952) 473-2110
3Nesbit Agencies5900 Rowland Rd(952) 941-9418
4Trusted Insurance Agency5100 Thimsen Ave Ste 228(612) 861-4868
5Marty Mjelleli - State Farm Insurance Agent10501 Wayzata Blvd #7(952) 546-6111
6Valley Insurance11812 Wayzata Blvd(952) 500-0956
7D Winters Insurance Services13312 Inverness Rd(612) 430-9170
8Manhart Insurance Group, INC. American Family Insurance13911 Ridgedale Dr #310(763) 614-5040
9Ideal Insurance Agency Inc601 Carlson Pkwy # 1050(952) 479-0047
10Ryynanen Insurance Agency12800 Whitewater Dr Suite 100 - 2010(612) 816-4756
JB
6001 Shady Oak Rd Suite 260
Joe Breen - State Farm Insurance Agent
Umbrella Insurance Agent · Minnetonka, MN

Joe Breen - State Farm Insurance Agent serves homeowners and drivers throughout the Minnetonka area of Hennepin County. It provides umbrella insurance to help clients secure additional liability protection beyond standard home and auto policies. This coverage can assist in safeguarding personal assets and future earnings. Policies extend underlying coverage limits, offering a supplementary layer of financial security. For residents seeking complete liability management, the agency handles umbrella policy applications and integration with existing State Farm plans.

MB
14525 MN-7 Ste 260
Melinda Bialke: Allstate Insurance
Umbrella Insurance Agent · Minnetonka, MN

Homeowners, businesses, and property managers in Minnetonka, MN, work with Melinda Bialke: Allstate Insurance for umbrella insurance agent services. This additional liability coverage protects assets beyond the limits of standard home or auto policies, offering a vital buffer for unexpected claims. The agency helps clients evaluate their personal exposure to potential lawsuits and secures policies that provide extra security. It also extends its service to clients throughout the Edina area of the western metro.

NA
5900 Rowland Rd
Nesbit Agencies
Umbrella Insurance Agent · Minnetonka, MN

Nesbit Agencies provides umbrella insurance agent services to clients throughout the Minnetonka, Minnesota area, offering liability coverage that extends beyond the limits of standard home and auto policies. It assists policyholders in selecting appropriate umbrella coverage limits to protect assets from major claims and lawsuits. The firm helps clients review existing policies and adjust coverage as personal circumstances change. It services single-family homes, apartments, retail establishments, and restaurants.

TI
5100 Thimsen Ave Ste 228
Trusted Insurance Agency
Umbrella Insurance Agent · Minnetonka, MN

Trusted Insurance Agency serves clients in Minnetonka, Minnesota, and the surrounding western suburbs of the Twin Cities. It handles personal umbrella liability coverage, extending protection beyond standard auto and homeowners policies to guard against major claims and lawsuits. The agency works closely with clients to assess their risk exposure, including factors like property assets and recreational vehicles. When managing a typical job, it reviews existing underlying policies to ensure seamless coverage limits and coordinates with carriers to fill any gaps in protection.

MM
10501 Wayzata Blvd #7
Marty Mjelleli - State Farm Insurance Agent
Umbrella Insurance Agent · Minnetonka, MN

Marty Mjelleli - State Farm Insurance Agent in Minnetonka, MN, offers clients the choice between a one-time umbrella policy for immediate liability protection or a recurring plan that automatically renews each term. This coverage extends personal liability limits above standard home and auto policies, safeguarding assets against major claims. The agent provides ongoing policy reviews and adjustments tailored to individual circumstances. Service is available on a scheduled basis for annual reviews or as-needed for policy updates and questions.

VI
11812 Wayzata Blvd
Valley Insurance
Umbrella Insurance Agent · Minnetonka, MN

With Minnesota’s unpredictable storms and icy winters, unprotected liability gaps can become significant financial risks for Minnetonka homeowners and businesses. Valley Insurance, a local umbrella insurance agent, helps clients address these exposures by offering supplementary coverage that extends beyond standard auto and homeowners policies. Their representatives assess individual liability thresholds and recommend appropriate layers of increased protection. The process begins with a complimentary evaluation of existing policies to identify potential coverage shortfalls during an initial consultation at their Minnetonka office.

DW
13312 Inverness Rd
D Winters Insurance Services
Umbrella Insurance Agent · Minnetonka, MN

D Winters Insurance Services in Minnetonka, Minnesota, provides standard insurance coverages and specializes in adding umbrella liability policies that offer extra protection beyond basic limits. These policies help safeguard personal and business assets by expanding coverage for major claims or lawsuits. The company works with local residential, commercial, and industrial clients to secure supplemental layers of coverage that fill gaps in existing insurance portfolios. Its clients include offices requiring liability extension, warehouses needing comprehensive property buffers, and food service operations seeking broader protection against potential public liability incidents.

MI
13911 Ridgedale Dr #310
Manhart Insurance Group, INC. American Family Insurance
Umbrella Insurance Agent · Minnetonka, MN

Manhart Insurance Group, INC. American Family Insurance serves residences in Minnetonka, Minnesota, offering umbrella policies that extend personal liability protection beyond standard home or auto limits. The agency provides commercial coverage as well, helping local businesses secure additional liability layers for their operations. Serving the greater Minnetonka area, the office works with clients to assess their individual risk exposure. Follow-up visits allow policyholders to review coverage needs regularly, ensuring ongoing protection between standard insurance renewals.

II
601 Carlson Pkwy # 1050
Ideal Insurance Agency Inc
Umbrella Insurance Agent · Minnetonka, MN

Ideal Insurance Agency Inc in Minnetonka, MN is known for connecting local clients with umbrella insurance policies. This type of coverage extends personal liability protection beyond the limits of standard homeowners or auto insurance. Policies typically provide additional financial safeguards against major claims and lawsuits. The agency serves residential and business customers seeking extra liability layers. Services include evaluating clients' existing coverage gaps and risk exposure. An area of specialty is offering optional add-on coverage for non-owned watercraft that may not fall under a primary home policy.

RI
12800 Whitewater Dr Suite 100 - 2010
Ryynanen Insurance Agency
Umbrella Insurance Agent · Minnetonka, MN
CG
18001 MN-7
The Canopy Group
Umbrella Insurance Agent · Minnetonka, MN
(800) 967-3389
thecanopygroup.com
DB
16190 MN-7
Dean Burrington Agency Inc American Family Insurance
Umbrella Insurance Agent · Minnetonka, MN
(952) 474-5252
amfam.com/agents/minnesota/minnetonka/dean-burrington
NS
601 Carlson Pkwy # 1050
North Star Insurance Services LLC- Chad Pietila
Umbrella Insurance Agent · Minnetonka, MN
(952) 856-6244
thenorthstaragency.com
SA
5100 Thimsen Ave Ste 228
Schmidt-Andrus Agency Inc.
Umbrella Insurance Agent · Minnetonka, MN
(952) 474-5435
schmidtandrusagency.net

What Does an a Umbrella Insurance Agent in Minnetonka Cost?

The cost of umbrella insurance in Minnesota typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Premiums depend on your risk profile, number of properties, and driving record. Costs are generally lower if you bundle with existing auto or home policies. This is general information, not insurance advice.

About umbrella insurance agents in Minnetonka

An umbrella insurance agent in Minnetonka helps you secure additional liability coverage that kicks in after your auto or home policy limits are exhausted. Minnesota law requires minimum liability coverage for auto insurance, but umbrella policies provide an extra layer of protection for lawsuits or large claims. Local agents understand the specific risks faced by Minnetonka residents, including lakefront property exposures and winter weather incidents.

Frequently Asked Questions

What does an umbrella insurance agent in Minnetonka do?

An umbrella insurance agent helps you evaluate your current liability risks and recommends a policy that covers claims above your existing limits. They review your assets, such as home equity and savings, to determine the right coverage amount. The agent then shops among multiple carriers to find a suitable policy for your situation.

How much umbrella coverage do I need in Minnesota?

Most experts recommend at least 1 million dollars in umbrella coverage to protect your assets. Minnesota courts can award large judgments in personal injury cases, and medical costs from accidents can quickly exceed standard policy limits. Your agent will help calculate a coverage amount based on your net worth and future earnings potential.

Is umbrella insurance required by law in Minnesota?

No, Minnesota law does not require umbrella insurance. However, it is strongly recommended if you have significant assets or face higher liability risks. Minnesota follows a comparative fault rule, meaning you can be held partially responsible for an accident even if the other party is mostly at fault, making extra coverage valuable.

Umbrella Insurance Agents in Other Minnesota 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.