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Find Umbrella Insurance Agents Near You in Otsego, MN
Browse umbrella insurance agents serving Otsego, Minnesota. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Otsego, MN
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 Minnesota before hiring.
Showing 2 umbrella insurance agents in Otsego, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Shawna Kolles - State Farm Insurance Agent
9125 Quaday Ave NE # 101, Otsego, MN 55330
(763) 332-3052
kollesinsureme.com
Todd Shatusky American Family Insurance
9201 Quaday Ave NE # 201, Otsego, MN 55330
(763) 241-9229
amfam.com
Umbrella insurance agents in Otsego Minnesota help residents secure extra liability coverage beyond standard home and auto policies. This type of policy is especially useful given Minnesota's comparative fault laws which can affect claim payouts. An agent can explain how umbrella insurance works with your existing coverage to protect your assets.
What Does a Umbrella Insurance Agent in Otsego Cost?
Typical costs for umbrella insurance in Minnesota range from 150 to 300 dollars per year for one million dollars in coverage. Higher limits of two to five million dollars may cost between 300 and 600 dollars annually. Premiums vary based on your risk factors such as number of properties, vehicles, and driving history. This is general information and 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 Otsego do?
An umbrella insurance agent helps you find a policy that provides additional liability coverage above your home and auto insurance limits. They assess your risk profile and recommend appropriate coverage amounts based on Minnesota law and your personal assets.
How much umbrella coverage do I need in Minnesota?
Common coverage amounts start at one million dollars and can go up to five million dollars or more. Your agent will consider your net worth, future income, and potential liability risks to suggest an appropriate limit. Minnesota does not set a minimum for umbrella policies.
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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 Minnesota.