The top-rated umbrella insurance agent in Great Falls, Montana is Balthazar Insurance Agency, rated 5.0 stars across 42 reviews. Other highly rated options include Advanced Agency Alliance, Cogswell Insurance Agency, Marsh McLennan Agency. This directory lists 20 umbrella insurance agents serving Great Falls.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Balthazar Insurance Agency | 908 6th St S | (406) 452-0422 |
| 2 | Advanced Agency Alliance | South Side of Building, 408 9th St S | (406) 727-0230 |
| 3 | Cogswell Insurance Agency | 800 9th St S | (406) 761-5000 |
| 4 | Marsh McLennan Agency | 405 3rd St NW 3rd floor | (406) 761-1160 |
| 5 | Tschetter Agency- Farmers Union | 325 Smelter Ave NE | (406) 836-9320 |
| 6 | McMeel Insurance Agency | 721 Central Ave Suite 209 | (406) 453-1580 |
| 7 | Fosse Insurance Inc | 222 15th St S ste a | (406) 510-3460 |
| 8 | Farmers Insurance - Brett Harris | 300 15th St S Ste 9 | (406) 452-6695 |
| 9 | Premier Insurance Agency | 605 6th St SW | (406) 224-9854 |
| 10 | HUB International | 400 Park Dr S | (406) 453-1464 |
Homeowners, businesses, and property managers in Great Falls, MT rely on umbrella insurance agents for extra liability protection above standard policy limits. Balthazar Insurance Agency provides such coverage to help clients safeguard assets from major claims or lawsuits. This service complements existing home, auto, or commercial policies with an additional layer of financial security. The agency also extends its expertise to neighboring communities within Cascade County, including the Black Eagle area.
Advanced Agency Alliance serves the Great Falls, Montana area as an umbrella insurance agent. It provides excess liability coverage that extends beyond the limits of standard home and auto policies, protecting clients from major claims and lawsuits. This includes assistance with policy reviews to determine appropriate coverage limits. The agency also helps local residents evaluate personal exposure risks and secure additional protection for assets.
Cogswell Insurance Agency offers umbrella liability coverage that extends protection beyond standard homeowners and auto policies. Their service plans include policy reviews to ensure adequate coverage limits and coordination with underlying insurers. The agency assists clients in assessing supplemental liability risks common in Montana, such as recreational property incidents. Regular maintenance involves updating coverage as assets change. They serve a wide range of properties including single-family homes, apartments, retail spaces, and restaurants.
Marsh McLennan Agency serves clients in Great Falls and surrounding Montana communities, handling individual and commercial umbrella insurance policies that provide additional liability coverage beyond standard limits. It helps protect assets by offering broad excess coverage for unforeseen claims. The agency carefully evaluates each client's unique risk profile, then recommends appropriate coverage limits and policy structures to address potential exposures effectively.
Tschetter Agency- Farmers Union specializes in umbrella insurance coverage, offering liability protection that extends beyond standard home and auto policies. In Great Falls, MT, the agency provides personalized service to help clients assess their total exposure to financial risk. It evaluates individual policy limits and recommends appropriate extra layers of security. The agency’s general work includes explaining complex insurance terms in straightforward language. When unexpected liability events, such as property damage from severe Montana winters or accidents during summer recreation, threaten personal assets, the agency guides clients in obtaining essential protection.
McMeel Insurance Agency in Great Falls, MT provides general liability coverage for businesses and individuals, with a specialty in offering umbrella insurance policies that provide additional layers of protection beyond standard policy limits. These extra liability policies are designed to safeguard assets from major claims and lawsuits that may otherwise remain uncovered. The firm serves commercial sectors including offices, warehouses, and food service establishments.
Fosse Insurance Inc in Great Falls, Montana serves homeowners, local businesses, and property managers who need additional liability coverage beyond standard policies. This agency offers umbrella insurance policies that provide extra protection for assets and help guard against major claims or lawsuits. Such coverage is especially useful for clients with rental properties or home-based businesses that increase their exposure. Fosse Insurance Inc also extends its services to clients in the nearby community of Black Eagle, ensuring broader access to liability protection.
Farmers Insurance - Brett Harris in Great Falls, MT, is known for providing umbrella insurance coverage that extends personal liability protection beyond standard policies. Its service range helps local homeowners and auto policyholders guard against major claims and lawsuits. Umbrella insurance agents in this area typically assess individual risk factors and lifestyle assets to recommend appropriate liability limits. A specialty service this agency can add on is offering policy reviews that identify potential gaps in existing coverage, ensuring clients maintain robust financial safeguards.
Serving Great Falls and the surrounding communities, Premier Insurance Agency handles umbrella insurance policies designed to provide extra liability coverage beyond standard home and auto limits. These policies protect clients from major claims or lawsuits by offering an additional layer of financial security. The agency assesses each individual’s existing coverage and potential risk factors to determine an appropriate level of additional protection. It customizes every umbrella policy to address the specific exposures a client faces. This process begins with a thorough review of the client's current insurance portfolio.
HUB International provides residential umbrella insurance in Great Falls, helping homeowners protect assets beyond standard policy limits. The agency also structures commercial coverage for local businesses seeking extended liability protection throughout Montana’s Cascade County area. Regular consultations ensure each personal policy aligns with evolving property values and family needs. Follow-up appointments are routinely scheduled between annual renewal periods to discuss coverage adjustments or new asset acquisitions.
What Does an a Umbrella Insurance Agent in Great Falls Cost?
The cost of an umbrella insurance policy in Montana typically ranges from 150 to 400 dollars per year for one million dollars of coverage. Factors that affect the premium include your driving record, number of properties, and the amount of underlying coverage you carry. Costs can be higher if you have multiple vehicles, a teenage driver, or a high-risk occupation. This is general information and not insurance advice.
About umbrella insurance agents in Great Falls
An umbrella insurance agent in Great Falls, Montana helps you secure additional liability coverage that goes beyond the limits of your auto and homeowners policies. Montana law requires minimum liability limits for auto insurance, but an umbrella policy can provide an extra layer of protection for your savings and future earnings. Local agents understand the unique risks in Montana, such as winter driving conditions and recreational activities on public lands.
Frequently Asked Questions
What does an umbrella insurance agent in Great Falls do?
An umbrella insurance agent helps you buy a personal liability policy that covers claims above your standard insurance limits. This policy can protect you from major lawsuits and judgments, including those arising from auto accidents or incidents on your property.
Who needs umbrella insurance in Montana?
Anyone with significant assets, such as a home, savings, or future income, should consider umbrella insurance. Montana residents who own rental properties, have a swimming pool, or frequently host guests may face higher liability risks and benefit from extra coverage.
How much umbrella coverage do I need in Great Falls?
Most agents recommend at least one million dollars in umbrella coverage, but your needs depend on your net worth and risk factors. In Montana, umbrella policies typically require you to carry minimum underlying limits of 250,000 dollars for auto liability and 300,000 dollars for homeowners liability.