The top-rated umbrella insurance agent in Kalispell, Montana is Flathead Insurance- Kalispell Montana Insurance, rated 4.9 stars across 282 reviews. Other highly rated options include Dan Schneller - State Farm Insurance Agent, Grachek Insurance, Tamarack Insurance. This directory lists 20 umbrella insurance agents serving Kalispell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Flathead Insurance- Kalispell Montana Insurance | 2330 U.S. Hwy 2 E | (406) 752-8000 |
| 2 | Dan Schneller - State Farm Insurance Agent | 974 N Meridian Rd | (406) 755-3122 |
| 3 | Grachek Insurance | 1147 S Main St | (406) 755-4000 |
| 4 | Tamarack Insurance | 185 Commons Loop Suite C | (406) 270-2463 |
| 5 | Bailey Insurance Services | 4 Meridian Ct | (406) 752-7676 |
| 6 | AAA Kalispell Branch | 135 Hutton Ranch Rd #106 | (406) 758-6980 |
| 7 | Farmers Insurance - Shaine Reece | 575 Sunset Blvd Suite 102 | (406) 752-9100 |
| 8 | Montana First Insurance, Inc. | 1088 N Meridian Rd | (406) 755-0719 |
| 9 | Paradox Insurance Agency | 1205 S Main St | (406) 451-0180 |
| 10 | Hebert Insurance Agency - Marlene Hebert | 114 1st Ave W | (406) 755-6453 |
Flathead Insurance- Kalispell Montana Insurance serves the Kalispell, Montana area and surrounding Flathead County as an umbrella insurance agent. Providing additional liability coverage that extends beyond the limits of standard homeowners, auto, and watercraft policies, it helps protect clients against major claims and lawsuits. Routine services include helping local residents evaluate their personal assets and risk exposure. The company also assists policyholders in securing umbrella coverage that coordinates with existing liability insurance policies.
Dan Schneller - State Farm Insurance Agent in Kalispell, MT offers a range of umbrella insurance services designed to provide extra liability coverage beyond standard policies. Ongoing service includes policy reviews and adjustments to match changing personal and financial circumstances. The agency helps clients understand how umbrella insurance can protect assets and future income from major claims or lawsuits. Its maintenance plans focus on keeping coverage current with evolving needs. This agent serves a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Serving Kalispell and the surrounding Flathead Valley communities, Grachek Insurance handles umbrella insurance policies that provide additional liability coverage beyond standard homeowners and auto policies. These policies help protect personal assets against major claims and lawsuits. For a typical job, the agency first reviews a client’s existing coverage and asset profile to determine the appropriate amount of excess liability protection needed, then secures a policy that aligns with that specific risk exposure.
Tamarack Insurance, based in Kalispell, MT, offers umbrella insurance policies that can be obtained as a one-time purchase or as a recurring annual service. This coverage provides an additional layer of liability protection beyond standard home and auto policies, helping to safeguard assets against major claims and lawsuits common in the region. Service runs on an as-needed basis, with clients typically requesting a policy review when their asset portfolio changes or upon renewal each year.
As an umbrella insurance agent in Kalispell, MT, Bailey Insurance Services specializes in providing extra liability coverage that extends beyond standard home and auto policies. This company generally helps clients protect their assets against large claims and lawsuits that could otherwise exceed primary insurance limits. Many area residents consider this added layer of financial protection especially important during winter months, when icy roads and snow-related accidents increase the risk of costly liability claims.
AAA Kalispell Branch serves homeowners, businesses, and property managers across the Flathead Valley by offering umbrella insurance policies that provide additional liability coverage beyond standard policies. This local agent helps clients protect assets from major claims or lawsuits. Operating in Kalispell, Montana, the agency assists with evaluating personal and commercial risk exposures to determine appropriate coverage limits. It also provides services to customers in the neighboring community of Whitefish.
With the changing seasons in Kalispell bringing both heavy snow and sudden rain, property owners often face unexpected liability risks that standard policies may not cover. Farmers Insurance - Shaine Reece offers umbrella insurance tailored to this region, providing an additional layer of protection beyond basic home or auto policies. Their approach involves carefully reviewing each client's existing coverage to identify gaps in liability limits. To begin this process, they schedule an initial consultation to inspect current insurance needs and discuss available options.
Montana First Insurance, Inc. in Kalispell, MT provides general insurance services to local clients. Its specialty work includes offering umbrella insurance policies that extend liability coverage beyond standard home and auto limits. By issuing excess liability protection, the agency helps policyholders manage potential financial risks from lawsuits or major claims. The agency serves a range of commercial operations, including professional offices, warehouses, and food service establishments.
Paradox Insurance Agency serves residential clients in Kalispell by evaluating liabilities that standard policies may not fully cover. Commercial operations also receive tailored excess liability protection suited to local business risks across the Flathead Valley. The agency addresses gaps in primary coverage, ensuring homeowners and business owners have broader financial safeguards. For those needing continued oversight, services remain available for policy adjustments and renewals between regular annual reviews.
What Does an a Umbrella Insurance Agent in Kalispell Cost?
Umbrella insurance in Montana typically costs between 150 and 300 dollars per year for one million dollars in coverage. Higher limits may cost 50 to 100 dollars more per million. Costs vary based on your risk profile property and claims history. This is general information not insurance advice.
About umbrella insurance agents in Kalispell
An umbrella insurance agent in Kalispell Montana can help you secure additional liability coverage beyond your standard auto or homeowners policy. Montana law does not require umbrella insurance but it can protect your assets in case of a lawsuit. Local agents understand the unique risks in the Flathead Valley such as outdoor recreation and seasonal tourism.
Frequently Asked Questions
What does an umbrella insurance agent in Kalispell do?
An umbrella insurance agent helps you assess your liability risks and find a policy that covers claims exceeding your primary insurance limits. They explain how Montana law affects coverage and help you choose a policy that fits your needs.
How much umbrella insurance do I need in Montana?
Most agents recommend at least one million dollars in umbrella coverage. Your specific needs depend on your assets income and activities. Montana courts can award large judgments so higher limits may be wise for property owners or business operators.
Does Montana law affect umbrella insurance coverage?
Yes Montana follows a comparative fault rule which can reduce your liability if you are partly at fault. An umbrella policy can still pay for defense costs and settlements. Your agent will explain how state laws apply to your situation.
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