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Compare Umbrella Insurance Agents in St Michael, MN
Directory of umbrella insurance agents in St Michael, Minnesota. Verify credentials with the state department of insurance before hiring.
8 agents listed
Updated May 2026
St Michael, 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 8 umbrella insurance agents in St Michael, 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.
Derek Brant - State Farm Insurance Agent
112 Central Ave E, St Michael, MN 55376
(763) 497-4940
derekbrantinsurance.com
Farmers Insurance - David Mugg
400 Central Ave E Ste 55, St Michael, MN 55376
(763) 298-3563
agents.farmers.com
Bruce A. McKimmy, Ltd
517 Dogwood Ave NW, St Michael, MN 55376
(612) 324-0369
CareWise Insurance MN
28 Main St S, St Michael, MN 55376
(763) 220-1479
Nationwide Insurance: All Insurance Services, Inc.
213 Meadowlark Rd SE, St Michael, MN 55376
(763) 497-2247
agency.nationwide.com
Zachman Insurance Agency Inc
12725 43rd St NE #101, St Michael, MN 55376
(763) 497-2430
zachmaninsurance.com
Superior Financial Group
13580 44th St NE, St Michael, MN 55376
(612) 382-8949
Creekside Insurance Solutions
705 Central Ave E r11, St Michael, MN 55376
(763) 412-1995
Umbrella insurance provides extra liability coverage beyond your auto or homeowners policy. In St Michael, Minnesota, an agent can help you secure this added protection. Minnesota law requires insurers to offer umbrella policies that cover certain liability claims, making it a smart choice for local residents.
What Does a Umbrella Insurance Agent in St Michael Cost?
In Minnesota, a 1 million dollar umbrella policy typically costs between 150 and 300 dollars per year. Higher limits of 2 to 5 million dollars range from 300 to 800 dollars annually. Costs vary based on your risk profile, number of properties, and driving record. 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 umbrella insurance cover in St Michael?
Umbrella insurance covers liability claims that exceed your primary policy limits. This includes bodily injury, property damage, and personal injury lawsuits. In Minnesota, umbrella policies often cover legal defense costs as well.
How much umbrella insurance do I need in Minnesota?
Most agents recommend at least 1 million dollars in umbrella coverage. Your net worth and risk factors determine the right amount. Minnesota courts can award large judgments, so higher limits may be wise.
Can I get umbrella insurance without a home or auto policy?
No, umbrella insurance requires an underlying auto or homeowners policy. In Minnesota, you must have minimum liability limits on those policies before you can add umbrella coverage. An agent can help you meet these requirements.
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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 Minnesota.