The top-rated umbrella insurance agent in Winona, Minnesota is Schmit Insurance Group, rated 5.0 stars across 239 reviews. Other highly rated options include Anthony Vote - State Farm Insurance Agent, A.J. Kanz American Family Insurance, Strategic Insurance Group. This directory lists 20 umbrella insurance agents serving Winona.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Schmit Insurance Group | 1159 Gilmore Ave #3 | (507) 458-0007 |
| 2 | Anthony Vote - State Farm Insurance Agent | 1201 Gilmore Ave Ste F-6 | (507) 452-9270 |
| 3 | A.J. Kanz American Family Insurance | 163 Walnut St | (507) 454-4638 |
| 4 | Strategic Insurance Group | 157 W 3rd St Suite E | (507) 858-5365 |
| 5 | Steve Young Agency Inc American Family Insurance | 1502 W Service Dr | (507) 454-1185 |
| 6 | Wunderlich Insurance Agency | 601 Main St | (507) 454-3348 |
| 7 | Farm Bureau Financial Services: Steve Jansen | 163 W 2nd St | (507) 615-5166 |
| 8 | Farmers Insurance - David Jensen | 350 E Sarnia St Ste 5 | (507) 474-7005 |
| 9 | WA Group (formerly Winona Agency) | 174 Center St | (507) 452-3366 |
| 10 | Farmers Insurance - Jason Banitt | 103 W Broadway St | (507) 452-5916 |
Schmit Insurance Group serves Winona, Minnesota, offering umbrella insurance agent services to local residents and businesses. Securing an umbrella policy provides an extra layer of liability coverage beyond standard home and auto insurance limits. This protection helps safeguard personal assets and future earnings against unexpected lawsuits or major claims. The firm assists clients in evaluating their existing policies to determine appropriate additional coverage amounts. It specifically handles personal umbrella liability policies and excess liability coverage for rental properties within the Winona region.
Anthony Vote - State Farm Insurance Agent in Winona, MN provides a range of umbrella liability coverage that extends beyond the limits of standard homeowners or auto policies. Service options include policy reviews and personalized guidance to adjust coverage limits as needs change. Routine maintenance involves updating underlying policy details to ensure proper alignment with umbrella protection. The company offers this higher-level liability safeguard for clients who own single-family homes, multi-unit apartments, retail storefronts, and restaurants requiring additional security against major claims.
Homeowners, businesses, and property managers in Winona, MN, seeking increased liability protection can work with A.J. Kanz American Family Insurance for umbrella insurance agent services. This agent helps individuals and companies secure additional coverage beyond standard policy limits, providing a crucial safety net against major claims and lawsuits. The agency customizes umbrella policies to match local risk profiles and property landscapes. Coverage options and consultations are also available for clients residing in nearby Goodview or Rollingstone.
Strategic Insurance Group serves clients throughout Winona, Minnesota, and the surrounding communities. The agency handles umbrella insurance needs, providing additional liability coverage beyond standard policies for homeowners and auto clients. This type of insurance protects against major claims and lawsuits that could exceed primary policy limits. For each typical job, the agent reviews existing personal liability exposures and current coverage limits, then recommends an appropriate umbrella policy to fill critical gaps in protection.
For occasional protection, a one-time umbrella insurance policy addresses a single high-risk event, while an annual recurring policy provides continuous coverage across multiple liability scenarios. The Steve Young Agency Inc American Family Insurance serves Winona, MN, by helping clients understand these options and select appropriate personal liability layers above standard policies. Their service for new inquiries or policy adjustments runs strictly on an as-needed basis, allowing clients to request guidance or file changes whenever necessary throughout the year.
Wunderlich Insurance Agency specializes in umbrella insurance services, offering additional liability coverage that extends beyond the limits of standard policies in Winona, MN. This agency generally serves clients by helping to protect their assets from major claims and lawsuits. With comprehensive liability protection, it provides crucial financial security for personal and family needs in the region. As winter storms and icy conditions in the area increase the risk of slip-and-fall accidents, Wunderlich can help ensure adequate coverage is in place.
As heavy spring rains and summer storms roll through the Winona area, Farm Bureau Financial Services: Steve Jansen helps residents protect their assets with umbrella insurance. This type of coverage adds an extra layer of liability protection beyond standard home and auto policies, which is especially valuable for those with property near the Mississippi River or local bluffs. Steve Jansen offers a straightforward initial consultation to review existing policies and determine appropriate coverage limits before recommending any next steps.
Farmers Insurance - David Jensen provides residential umbrella insurance coverage in Winona, Minnesota, protecting homeowners from liabilities that exceed standard policy limits. The agency also offers commercial umbrella insurance solutions for local businesses needing additional coverage layers against large claims. Service extends throughout Winona and nearby communities, tailoring policies to individual risk exposure levels. After the initial policy is placed, the agent typically remains available for annual coverage reviews, ensuring limits stay appropriate as assets or liability exposures change between regular visits.
WA Group, formerly Winona Agency, offers standard liability coverage and specializes in adding umbrella insurance for extra protection. This added policy layers behind primary commercial and personal policies to provide higher limits. Residents and businesses in Winona, Minnesota, can seek additional defense against major claims or lawsuits through this supplementary coverage. The agency serves local commercial sectors that may require extended liability capacity, including offices, warehouses, and food service operations.
Farmers Insurance - Jason Banitt is known for providing personalized umbrella insurance solutions to clients in Winona, Minnesota. Its service range includes consultation on liability coverage gaps and assistance in increasing policy limits for added financial protection. The agent helps homeowners and auto policyholders secure extra coverage beyond standard limits. A specialty service it can add on is personal liability coverage for incidents occurring on the insured’s property.
What Does an a Umbrella Insurance Agent in Winona Cost?
In Minnesota, a 1 million dollar personal umbrella policy typically costs between 150 and 300 dollars per year. A 2 million dollar policy may cost 250 to 500 dollars annually. Rates vary based on your driving record, number of vehicles, and property values. This is general information and not insurance advice.
About umbrella insurance agents in Winona
Umbrella insurance provides an extra layer of liability protection beyond your standard home and auto policies. In Winona, Minnesota, agents can help you secure coverage that responds after your underlying policy limits are exhausted. Minnesota law requires insurers to offer umbrella policies with minimum limits of 1 million dollars, though higher limits are available.
Frequently Asked Questions
What does an umbrella insurance agent in Winona do?
An umbrella insurance agent in Winona helps you purchase a personal liability umbrella policy that covers claims exceeding your home and auto insurance limits. They assess your assets and risk exposure to recommend appropriate coverage amounts. The agent also explains how the policy interacts with your existing insurance.
Who needs umbrella insurance in Minnesota?
Anyone with significant assets or future earnings to protect should consider umbrella insurance in Minnesota. This includes homeowners, business owners, and individuals with rental properties or recreational vehicles. Minnesota courts can award large judgments in liability cases, making extra coverage valuable.
How much umbrella insurance coverage should I get in Winona?
Most Winona agents recommend at least 1 million dollars in umbrella coverage, which is the standard minimum in Minnesota. If you have substantial assets, a high income, or own multiple properties, higher limits of 2 to 5 million dollars may be appropriate. Your agent will help you calculate the right amount based on your net worth and risk factors.
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