The top-rated umbrella insurance agent in Shakopee, Minnesota is Katie Odeen - State Farm Insurance Agent, rated 5.0 stars across 284 reviews. Other highly rated options include Farmers Insurance - Bradley Hansen, Brad Billings - State Farm Insurance Agent, Eric Means - State Farm Insurance Agent. This directory lists 13 umbrella insurance agents serving Shakopee.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Katie Odeen - State Farm Insurance Agent | 1226 4th Ave E #110 | (952) 225-5450 |
| 2 | Farmers Insurance - Bradley Hansen | 8170 Old Carriage Ct Suite 200 | (952) 222-4479 |
| 3 | Brad Billings - State Farm Insurance Agent | 255 1st Ave E | (952) 445-3362 |
| 4 | Eric Means - State Farm Insurance Agent | 1667 17th Ave E #103 | (952) 446-7067 |
| 5 | Farmers Insurance - Robert Whitcomb | 132 Holmes St S | (952) 942-2082 |
| 6 | Innovative Insurance Services LLC | 8091 Old Carriage Ct | (952) 445-5767 |
| 7 | HomeTown Insurance | 950 Vierling Dr W Suite 100 | (952) 873-1876 |
| 8 | JJ Insurance | 1038 1st Ave E | (952) 283-3067 |
| 9 | Robert Loonan American Family Insurance | 1221 4th Ave E #165 | (952) 445-8100 |
| 10 | WR Insurance Agency, LLC | 327 Marschall Rd Suite 380 | (612) 799-6972 |
Katie Odeen - State Farm Insurance Agent serves Shakopee, Minnesota, and the surrounding Scott County area, specializing in umbrella insurance coverage. This agency helps clients obtain additional liability protection beyond standard home and auto policies for greater financial security. Policies provide an extra layer of coverage against major claims and lawsuits. The agency handles personal umbrella policies that extend coverage limits and also offers related commercial liability insurance options for small business owners.
Farmers Insurance - Bradley Hansen provides personal umbrella insurance services in Shakopee, Minnesota, extending liability coverage beyond the limits of standard homeowners and auto policies. The agency helps clients manage risk with comprehensive excess liability protection tailored to safeguard assets and future earnings. Policyholders receive ongoing support to review coverage limits and update policies as circumstances change. Its umbrella insurance serves various property types, including single-family homes, apartments, retail establishments, and restaurants.
Brad Billings, a local umbrella insurance agent serving homeowners, businesses, and property managers in Shakopee, MN, provides essential liability coverage that extends beyond standard policy limits. This additional protection helps clients safeguard their assets against major claims or lawsuits. The agency guides customers through evaluating their specific risk exposures and selecting appropriate supplemental coverage. For clients in surrounding areas, the agency also covers nearby communities such as Savage, providing the same attentive service for those seeking broader financial security.
Eric Means, a State Farm Insurance agent in Shakopee, MN, distinguishes between single-policy umbrella coverage and recurring, ongoing liability protection, tailoring options to fit individual client needs. Such an umbrella policy extends beyond standard home and auto limits to shield personal assets against major claims. Service operates strictly on an as-needed basis, allowing clients to request policy adjustments, new quotes, or coverage consultations when their personal liability situation changes.
Farmers Insurance - Robert Whitcomb serves Shakopee and the surrounding communities in Scott and Carver counties, handling umbrella insurance policies that provide additional liability coverage beyond standard homeowners or auto plans. This agent works with clients to extend their personal liability protection against major claims or lawsuits. Policies cover incidents like property damage or bodily injury that exceed underlying limits. The agent typically assesses each client’s existing coverage and risk profile to recommend appropriate supplemental limits for comprehensive asset protection.
Specializing in liability coverage that extends beyond standard policies, Innovative Insurance Services LLC in Shakopee, MN acts as an umbrella insurance agent for residents and businesses. They help clients protect assets by offering supplementary layers of insurance that respond when primary policy limits are exhausted. Their general service work includes assessing individual risk profiles to recommend appropriate coverage amounts. As winter conditions increase the likelihood of slip-and-fall claims on driveways and walkways, the agency assists homeowners in strengthening their financial defenses ahead of the season.
As the spring melt raises water levels on the Minnesota River near Shakopee, HomeTown Insurance reviews existing liability coverage for local homeowners and businesses. Umbrella insurance agents here analyze common regional risks, including flooded basements and icy parking lot slip-and-fall incidents, to recommend an extra layer of liability protection above standard auto and homeowners policies. An initial review of current deductibles and liability limits determines whether a personal umbrella policy is appropriate.
JJ Insurance specializes in helping clients manage liability risks that exceed standard policy limits. The agency focuses on securing umbrella insurance coverage that protects against large claims and lawsuits for individuals and businesses in Shakopee, Minnesota. This additional layer of liability insurance safeguards assets and future earnings when primary policies are exhausted. Typical commercial clients include offices, warehouses, and food service establishments needing broader protection for their operations.
Robert Loonan American Family Insurance serves residential clients in Shakopee, Minnesota with umbrella insurance that extends personal liability protection beyond standard homeowner and auto policies. For commercial customers, additional umbrella coverage is available to shield businesses from major claims that exceed primary limits. The agency works with policyholders throughout the local area to design appropriate risk management solutions. Returning clients are supported between regular visits to adjust coverage limits as their conditions change or new assets are acquired.
WR Insurance Agency, LLC is known in Shakopee, MN for matching clients with personal liability coverage that supplements standard home and auto policies. It facilitates umbrella insurance policies designed to protect assets following a major accident or lawsuit where primary limits are exceeded. Service includes tailoring additional liability limits to the specific exposures of a policyholder. Policy options help cover legal defense costs and covered claims judgments. For added protection, it can offer coverage extensions for libel or slander claims.
What Does an a Umbrella Insurance Agent in Shakopee Cost?
In Minnesota, the cost of an umbrella insurance policy typically ranges from $150 to $400 per year for $1 million in coverage, with additional coverage costing roughly $50 to $100 per million. Factors that affect the premium include your driving record, number of properties, and the liability limits on your underlying policies. This is general information and not insurance advice.
About umbrella insurance agents in Shakopee
An umbrella insurance agent in Shakopee, Minnesota helps you secure extra liability coverage beyond your standard auto or homeowners policy. Minnesota law requires minimum liability limits on auto insurance, but an umbrella policy can protect your assets from large claims or lawsuits. Local agents understand the risks specific to the Shakopee area, such as winter driving accidents or recreational incidents on the Minnesota River.
Frequently Asked Questions
What does an umbrella insurance agent in Shakopee do?
An umbrella insurance agent helps you assess your personal liability risks and find a policy that provides additional coverage above your existing home and auto insurance. In Minnesota, umbrella policies typically start at $1 million in coverage and can go higher. The agent will review your assets and recommend appropriate limits.
How much umbrella insurance do I need in Minnesota?
The amount of umbrella insurance you need depends on your net worth, income, and potential liability risks. Many financial advisors in Minnesota suggest coverage equal to or greater than your total assets. A local agent can help you calculate a suitable amount based on your specific situation.
Are there Minnesota laws that affect umbrella insurance?
Minnesota has a six-year statute of limitations for personal injury lawsuits, which means you could face claims long after an incident. The state also follows a comparative fault rule, so your liability may be reduced if you are partially at fault. Umbrella insurance provides an extra layer of protection against these long-term risks.
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