The top-rated umbrella insurance agent in Chesterfield, Missouri is Ben Rister - State Farm Insurance Agent, rated 4.9 stars across 566 reviews. Other highly rated options include Weiss Insurance Agency, Bess Agency & Associates Inc American Family Insurance, Thomas Insurance Advisors, LLC. This directory lists 20 umbrella insurance agents serving Chesterfield.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ben Rister - State Farm Insurance Agent | 14159 Clayton Rd | (636) 227-2010 |
| 2 | Weiss Insurance Agency | 683 Trade Center Blvd #100 | (636) 306-5526 |
| 3 | Bess Agency & Associates Inc American Family Insurance | 14500 S Outer Forty Rd # 205 | (314) 275-8500 |
| 4 | Thomas Insurance Advisors, LLC | 632 B Trade Center Blvd | (636) 536-2229 |
| 5 | The ICON Group | 500 Chesterfield Center Suite 110 | (636) 534-7204 |
| 6 | Azteca Insurance LLC | 500 Chesterfield Center Suite 110 | (314) 940-4954 |
| 7 | Shelter Insurance - Bryan Howse | 1 McBride and Son Center Dr | (636) 391-6688 |
| 8 | Farmers Insurance - Mark Puccio | 42 Four Seasons Shopping Center # 103 | (314) 434-3777 |
| 9 | Best Shot Insurance | 400 Chesterfield Center Suite 320 | (636) 537-5041 |
| 10 | Hebbeln Insurance | 744 H, 744 Spirit of Saint Louis Blvd | (636) 519-0059 |
Ben Rister - State Farm Insurance Agent serves the Chesterfield, MO area and surrounding communities by offering umbrella insurance coverage. This type of policy provides an extra layer of liability protection beyond standard home and auto insurance limits. It can help safeguard personal assets and future earnings from major claims or lawsuits. The agent assists local residents in evaluating their potential financial risks and securing appropriate supplementary coverage. Additional services include tailoring personal umbrella policies to meet the specific liability needs of policyholders living in this region.
Weiss Insurance Agency in Chesterfield, MO, provides umbrella insurance policies that offer extended liability coverage beyond standard home and auto limits. Its service includes personalized risk assessments and the ongoing maintenance of client policies to ensure adequate protection as circumstances change. Regular policy reviews are conducted to adjust coverage levels when necessary. The agency serves a variety of properties, including single-family homes, apartments, retail locations, and restaurants.
Bess Agency & Associates Inc American Family Insurance in Chesterfield, MO, serves homeowners, businesses, and property managers seeking personalized umbrella insurance solutions. These policies provide extra liability coverage beyond standard limits, protecting clients from major claims and lawsuits. The agency guides customers through selecting appropriate layers of coverage to safeguard their assets and future earnings. Bess Agency & Associates also assists clients in neighboring communities throughout west St. Louis County.
Thomas Insurance Advisors, LLC serves clients in Chesterfield, MO and the surrounding communities, handling umbrella insurance policies that provide extra liability coverage beyond standard auto and homeowners limits. The company focuses on protecting clients against major claims and lawsuits, offering a safety net for personal assets and future earnings. To manage a typical job, Thomas Insurance Advisors reviews each client’s existing coverage and risk exposures thoroughly, then customizes an umbrella policy to address those specific needs.
The ICON Group in Chesterfield, MO offers homeowners umbrella liability coverage accessed either through a single policy transaction or as part of an ongoing service plan that adjusts limits as assets change. This local agency provides an extra layer of protection beyond standard auto and home policies to safeguard personal assets against major claims. Their service operates on a recurring scheduled basis for policy reviews, with as-needed updates to coverage following life events.
As winter ice and spring storms bear down on Chesterfield, Azteca Insurance LLC provides umbrella insurance to local homeowners seeking added liability protection beyond standard policies. This agency works with area residents to secure extra coverage for accident-related claims that exceed base limits. Azteca Insurance LLC focuses on matching policies to individual property and lifestyle risks throughout the region. An initial assessment of existing coverage is scheduled during a complimentary consultation at the client’s home or office.
Shelter Insurance - Bryan Howse specializes in helping clients secure umbrella insurance policies, offering an extra layer of liability protection beyond standard home and auto coverage. In Chesterfield, MO, the agency works with local residents to assess their personal exposure risks and customize higher coverage limits. This service is particularly valuable during the winter months, when increased liability from slip-and-fall accidents on icy properties can put personal assets at financial risk.
Farmers Insurance - Mark Puccio provides general insurance services in Chesterfield, MO, with a specialty in umbrella insurance agent work. This type of coverage adds an extra layer of liability protection beyond standard home, auto, or watercraft policies. It typically helps safeguard assets against large claims or lawsuits. The company can serve various commercial sectors needing this added security, including offices, warehouses, and food service operations.
Best Shot Insurance provides residential umbrella liability coverage for homeowners in Chesterfield, Missouri, helping protect personal assets against major claims. The agency also serves commercial clients, extending extra liability protection for businesses in the greater St. Louis area. Additional coverage is available throughout local communities as needed. Following an initial policy setup, the agency offers streamlined follow-up support and repeat service adjustments during regular renewal periods.
What Does an a Umbrella Insurance Agent in Chesterfield Cost?
The cost of umbrella insurance in Missouri typically ranges from 150 to 400 dollars per year for one million dollars of coverage. Additional millions may cost 50 to 100 dollars each per year. Your actual premium depends on your risk factors, such as driving record and number of properties. This is general information and not insurance advice.
About umbrella insurance agents in Chesterfield
Umbrella insurance agents in Chesterfield Missouri help you add a layer of liability protection beyond your auto and homeowners policies. This coverage is especially important in Missouri because state law does not cap personal injury awards in many civil cases. An agent can review your current policies and recommend an appropriate umbrella limit based on your assets and risk profile.
Frequently Asked Questions
What does an umbrella insurance agent in Chesterfield do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that kicks in after your underlying auto or home insurance limits are exhausted. The agent assesses your total assets and liability exposure to recommend a coverage amount, typically starting at one million dollars.
How much umbrella insurance do I need in Chesterfield Missouri?
The amount you need depends on your net worth and potential lawsuit risks. Many agents recommend at least one million dollars in coverage, but higher limits may be wise if you own rental properties or have a high income. Missouri courts can award large judgments, so a higher limit provides stronger protection.
Is umbrella insurance required by law in Missouri?
No, umbrella insurance is not required by Missouri law. However, it is strongly recommended for anyone with significant assets or high liability risk. Missouri follows a modified comparative fault rule, which means you can still be held liable even if you are only partially at fault for an accident.
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