The top-rated umbrella insurance agent in Fargo, North Dakota is Far North Insurance, rated 4.9 stars across 204 reviews. Other highly rated options include Grand Slam Insurance, Dj Colter Agency Inc American Family Insurance, Superior Insurance. This directory lists 16 umbrella insurance agents serving Fargo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Far North Insurance | 3357 39th St S # 1 | (701) 237-6651 |
| 2 | Grand Slam Insurance | 1205 16th Ave S | (701) 356-3265 |
| 3 | Dj Colter Agency Inc American Family Insurance | 4215 31st Ave S suite b | (701) 235-6641 |
| 4 | Superior Insurance | 1002 28th St S | (701) 356-3256 |
| 5 | Summit Insurance Agency | 5302 51st Ave S Unit C | (701) 390-1994 |
| 6 | OnPoint Insurance Services | 3575 45th St S Suite #100 | (701) 353-2592 |
| 7 | Sarah Herlihy Agency - Nodak Insurance Company | 4141 31st Ave S Suite 105 | (701) 566-2128 |
| 8 | FM Insurance | 428 25th St S | (701) 271-8110 |
| 9 | RJ Bailey Insurance Center | 3611 Lincoln St S Ste C | (701) 356-7001 |
| 10 | Yahnke Insurance Agency | 1704 Main Ave | (701) 232-5722 |
Far North Insurance serves the Fargo metro area and Cass County, offering umbrella insurance agent services to residents and businesses. This type of coverage provides added liability protection beyond standard home or auto policies, safeguarding assets against major claims or lawsuits. The agency assists clients in assessing their personal risk exposure and securing appropriate policy limits. It handles coverage reviews for high-net-worth individuals and tailors umbrella solutions for local property owners facing increased liability from rental properties or recreational vehicles.
Grand Slam Insurance in Fargo, ND, provides umbrella insurance agent services that include evaluating additional liability exposure and securing excess coverage beyond standard policies. The company offers ongoing portfolio reviews to ensure policy limits remain aligned with changing risks. It assists clients in understanding how umbrella insurance coordinates with homeowners and auto policies to prevent coverage gaps. Its services extend to protecting various properties, including single-family homes, apartments, retail establishments, and restaurants.
Dj Colter Agency Inc American Family Insurance serves Fargo and Cass County, offering umbrella insurance coverage that extends liability protection beyond standard policies. This agent helps clients secure additional layers of financial security against major claims and lawsuits. Services include personal umbrella policies for homeowners and auto policyholders seeking extra limits. The agency also assists with commercial umbrella insurance for local businesses requiring broader liability safeguards.
Serving the Fargo area and its surrounding communities in North Dakota, Superior Insurance handles personal umbrella insurance policies. This type of coverage extends liability protection beyond the limits of standard homeowners or auto insurance. The agency assists local clients in assessing their potential exposure from common incidents, such as automobile accidents or accidents on their property. To manage a typical policy need, it evaluates an individual’s existing primary coverage and risk profile to recommend an appropriate tier of additional liability coverage.
At Summit Insurance Agency in Fargo, North Dakota, clients choose between a one-time policy review or an ongoing servicing relationship when securing umbrella coverage. These excess liability policies extend protection beyond standard home or auto limits, addressing potential lawsuits or major claims that could threaten personal assets. The firm customizes each policy to match individual risk profiles and coverage gaps. Service at Summit Insurance Agency is available on a one-time, scheduled, or as-needed basis, depending on each client’s evolving needs.
OnPoint Insurance Services in Fargo, North Dakota, specializes in securing personal umbrella policies that extend liability coverage beyond standard homeowners and auto limits. The agency generally assists area residents with evaluating their overall risk exposure to ensure adequate financial protection. It typically guides clients through the process of adding an extra layer of liability insurance for major claims or lawsuits. This service is especially critical during the winter months when an ice-related accident on a driveway could lead to substantial medical or legal expenses.
In Fargo's harsh winter months, ice dams and snowmelt can cause sudden water damage to a home liability coverage alone may not fully address. The Sarah Herlihy Agency with Nodak Insurance Company serves this Red River Valley community by helping residents select personal umbrella insurance that extends liability protection beyond standard basic limits. This extra layer responds to costly claims from events like dog bites or guest injuries on icy walkways. A complete initial consultation typically begins with a review of existing policy limits to assess the appropriate coverage gap.
FM Insurance serves homeowners, businesses, and property managers in Fargo, ND, who need extra liability protection beyond their standard policies. As an umbrella insurance agent, the company helps clients secure additional coverage layers to guard against major claims and lawsuits, working with customers to identify gaps in their existing plans. This local agency focuses on providing straightforward guidance tailored to the risk exposures common in the region. Its service area also extends to neighboring Moorhead, Minnesota, across the Red River.
RJ Bailey Insurance Center serves residential clients in the Fargo area with personal umbrella policies that extend liability protection beyond standard home and auto coverage. The agency also writes commercial umbrella liability for local businesses, catering to the broader Red River Valley region. Policies are carefully structured to fill gaps in underlying insurance limits. The office provides annual review of coverage to ensure adequate protection as circumstances change and remains available for follow-up service between regular policy renewal visits.
Yahnke Insurance Agency in Fargo, North Dakota, assists clients with core liability coverage and specializes in umbrella insurance policies that provide extra protection beyond standard limits. These policies help safeguard personal assets and future earnings against major claims or lawsuits. The agency supports a range of commercial sectors, tailoring excess liability solutions for office environments, warehouse operations, and food service businesses.
What Does an a Umbrella Insurance Agent in Fargo Cost?
Typical umbrella insurance costs in North Dakota range from 150 to 300 dollars per year for one million dollars in coverage. Premiums can be higher for additional coverage layers or for individuals with higher risk factors. Your specific rate depends on your location in Fargo your claims history and the underlying policies you hold. This is general information not insurance advice.
About umbrella insurance agents in Fargo
Umbrella insurance provides extra liability coverage beyond standard home and auto policies. In Fargo North Dakota agents can help you secure this protection to meet local risk factors such as severe weather and recreational vehicle use. North Dakota law requires minimum liability limits for auto insurance but an umbrella policy adds a higher layer of security for your assets.
Frequently Asked Questions
What does an umbrella insurance agent in Fargo do?
An umbrella insurance agent in Fargo helps you assess your liability risks and purchase a policy that extends coverage above your existing home and auto limits. They explain how the policy works with your current insurance and guide you through the application process.
How much umbrella insurance do I need in North Dakota?
Most agents recommend at least one million dollars in umbrella coverage to protect against major claims. Your specific needs depend on your assets income and activities such as owning a pool or boat. North Dakota does not set a state minimum for umbrella insurance so you choose the limit that fits your situation.
Can I get umbrella insurance if I have a high risk profile in Fargo?
Yes but your premium may be higher if you have a poor driving record or multiple claims. Some insurers in North Dakota may require you to have certain underlying liability limits on your auto and home policies first. An agent can help you find a carrier that accepts higher risk profiles.
Umbrella Insurance Agents in Other North Dakota Cities
Bismarck · Grand Forks · Minot · West Fargo · Williston