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Find Umbrella Insurance Agents in Maryland Heights, MO
Browse umbrella insurance agents serving Maryland Heights, Missouri. Contact information and addresses listed below.
6 agents listed
Updated May 2026
Maryland Heights, MO
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 Missouri before hiring.
Showing 6 umbrella insurance agents in Maryland Heights, MO
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Sara Spotanski - State Farm
11815 Dorsett Rd, Maryland Heights, MO 63043
(314) 291-3388
saraspotinsurance.com
Lucent Insurance Group
11848 Dorsett Rd Office B, Maryland Heights, MO 63043
(888) 544-2482
lucentinsurancegroup.com
McCarthy Insurance Group LLC American Family Insurance
929 Fee Fee Rd # 101, Maryland Heights, MO 63043
(314) 343-4502
amfam.com
The Kelsi Stulce-Hull Agency LLC American Family Insurance
929 Fee Fee Rd Suite 102, Maryland Heights, MO 63043
(314) 205-9444
amfam.com
The Graf Group Insurance
6 Fee Fee Rd, Maryland Heights, MO 63043
(314) 291-1600
grafgroupinsurance.com
Shelter Insurance - Chris Hansel
11652 Dorsett Rd Ste A, Maryland Heights, MO 63043
(314) 427-6532
shelterinsurance.com
An umbrella insurance agent in Maryland Heights, Missouri can help you secure additional liability coverage that goes beyond your auto or homeowners policy limits. Missouri law does not require umbrella insurance, but it can protect your assets in case of a major lawsuit or accident. Local agents understand the specific liability risks in the St. Louis area and can tailor a policy to your needs.
What Does a Umbrella Insurance Agent in Maryland Heights Cost?
In Missouri, umbrella insurance typically costs between 150 and 300 dollars per year for one million dollars in coverage. Premiums may be higher if you have multiple properties, a teenage driver, or a swimming pool. Each policy is individually underwritten, so your rate will depend on your personal risk profile. 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 Missouri?
Umbrella insurance provides extra liability coverage above your existing auto, home, or boat insurance. In Missouri, it can help cover legal defense costs and settlements if you are sued for property damage or bodily injury. It also covers certain claims not included in standard policies, such as false arrest or libel.
How much umbrella coverage do I need in Maryland Heights?
Most agents recommend at least one million dollars in umbrella coverage, but your needs depend on your assets and risk factors. Missouri courts can award large judgments, especially in cases involving serious injuries. An agent can assess your net worth and lifestyle to suggest an appropriate limit.
Do I need umbrella insurance if I have a Missouri auto policy?
Yes, because Missouri minimum auto liability limits are low (25,000 per person for injury). If you cause a serious accident, costs can quickly exceed those limits. Umbrella insurance steps in to cover the difference and protect your savings and future earnings.
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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 Missouri.