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Find Umbrella Insurance Agents Near You in Sioux Falls, SD

Browse umbrella insurance agents serving Sioux Falls, South Dakota. Updated 2026-07-14.

The top-rated umbrella insurance agent in Sioux Falls, South Dakota is World Insurance Associates LLC, rated 4.9 stars across 327 reviews. Other highly rated options include Pernell Insurance Agency, Nelson Insurance Agency, WINS Group Insurance Services. This directory lists 20 umbrella insurance agents serving Sioux Falls.

Showing 20 umbrella insurance agents in Sioux Falls, SDListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1World Insurance Associates LLC3208 E 26th St(605) 467-8733
2Pernell Insurance Agency528 N Sycamore Ave Unit 2(605) 271-7595
3Nelson Insurance Agency2200 W 49th St Unit 100(605) 275-9700
4WINS Group Insurance Services4804 S Minnesota Ave Unit 103(605) 271-6600
5Prins Insurance of Sioux Falls, Inc.2900 S Phillips Ave #400(605) 332-5300
6Kouri Insurance Agency6809 S Minnesota Ave Unit 201(605) 336-6303
7Platinum Insurance Group6330 S Western Ave Unit 110(605) 271-4446
8AAA South Dakota Sioux Falls - 49th Street3701 W 49th St Unit 100(605) 361-2107
9Lexis Willert & Associates, LLC American Family Insurance530 W 29th St(605) 336-3444
10Great Place Insurance (Formerly Insurance Express Agency, LLC) -- Sioux Falls, SD200 S Petro Ave Suite 106(605) 361-6318
WI
3208 E 26th St
World Insurance Associates LLC
Umbrella Insurance Agent · Sioux Falls, SD

World Insurance Associates LLC serves the Sioux Falls, South Dakota metro area as an umbrella insurance agent, offering personal and commercial umbrella policies that extend liability coverage beyond standard home or auto limits. These policies help protect clients against major claims or lawsuits arising from accidents or property incidents. The agency handles risk assessment for local homeowners, auto owners, and business operators seeking additional liability layers. It also manages policy adjustments for those requiring higher coverage thresholds in this region.

PI
528 N Sycamore Ave Unit 2
Pernell Insurance Agency
Umbrella Insurance Agent · Sioux Falls, SD

Pernell Insurance Agency provides comprehensive umbrella insurance services for clients in Sioux Falls, South Dakota. Its service plans involve offering additional liability coverage beyond standard homeowners and auto policies to protect against major claims and lawsuits. The agency ensures efficient policy management through regular coverage reviews and prompt limit adjustments. It serves a diverse range of local properties, including single-family homes, apartments, retail spaces, and restaurants.

NI
2200 W 49th St Unit 100
Nelson Insurance Agency
Umbrella Insurance Agent · Sioux Falls, SD

Nelson Insurance Agency serves homeowners, property managers, and small businesses in Sioux Falls, South Dakota, by helping them secure umbrella insurance policies. These policies provide extra liability coverage beyond standard home or auto limits, protecting clients from major claims or lawsuits. The agency guides customers through policy options to match their specific assets and risks. With a focus on practical risk management, it also covers the surrounding communities and suburbs within the Sioux Falls metro area, including Brandon.

WG
4804 S Minnesota Ave Unit 103
WINS Group Insurance Services
Umbrella Insurance Agent · Sioux Falls, SD

WINS Group Insurance Services serves Sioux Falls and the surrounding communities in southeastern South Dakota, handling personal umbrella insurance policies that provide additional liability coverage beyond standard home and auto plans. These policies are designed to protect assets and future earnings from major claims or lawsuits. To complete a typical client engagement, the agency begins by reviewing existing underlying policies to determine appropriate coverage limits before presenting options that fit individual risk profiles.

PI
2900 S Phillips Ave #400
Prins Insurance of Sioux Falls, Inc.
Umbrella Insurance Agent · Sioux Falls, SD

Prins Insurance of Sioux Falls, Inc. provides specialized umbrella insurance services and general personal liability coverage for residents of Sioux Falls, South Dakota. Its policies offer additional layers of protection beyond standard homeowners or auto insurance, securing policyholders against major claims and lawsuits. By addressing coverage gaps, the agency creates a broader safety net for assets and future earnings. This is especially critical during winter months when snow or ice conditions may lead to accidents with significant liability exposure on residential or commercial property.

KI
6809 S Minnesota Ave Unit 201
Kouri Insurance Agency
Umbrella Insurance Agent · Sioux Falls, SD

After a long South Dakota winter, property owners in Sioux Falls face spring thaw and increased runoff. Kouri Insurance Agency provides umbrella insurance policies that extend liability coverage beyond standard home and auto limits, offering broader protection against such seasonal risks. This additional coverage helps safeguard local assets when claims surpass underlying policy caps. For those considering this extra financial shield, a complimentary consultation can assess current coverage gaps and identify a suitable protection level. An initial review of existing policies starts the process.

PI
6330 S Western Ave Unit 110
Platinum Insurance Group
Umbrella Insurance Agent · Sioux Falls, SD

Platinum Insurance Group in Sioux Falls, South Dakota, assists clients with personal and commercial liability coverage through general insurance policies. As an umbrella insurance agent, the company offers additional liability protection that extends beyond the limits of standard homeowners, auto, or business policies. This specialty coverage provides a crucial safety net for individuals and businesses seeking extra financial security against major claims or lawsuits. Platinum Insurance Group can serve various commercial sectors, including local offices, warehouses, and food service establishments.

AS
3701 W 49th St Unit 100
AAA South Dakota Sioux Falls - 49th Street
Umbrella Insurance Agent · Sioux Falls, SD

At AAA South Dakota Sioux Falls - 49th Street, umbrella insurance agents provide both one-time policy evaluations to address immediate liability concerns and recurring service options that periodically review an individual’s overall risk exposure. Coverage typically extends beyond standard auto and homeowners policies, offering additional protection against major claims or lawsuits. These services are generally available in the Sioux Falls area, helping residents safeguard personal assets. Service runs on an as-needed basis, allowing clients to schedule consultations when their coverage needs change or events require updated protection.

LW
530 W 29th St
Lexis Willert & Associates, LLC American Family Insurance
Umbrella Insurance Agent · Sioux Falls, SD

Lexis Willert & Associates, LLC American Family Insurance serves residential clients in Sioux Falls by providing umbrella insurance policies that extend liability coverage beyond standard home and auto limits. The agency also offers commercial umbrella coverage for local businesses seeking additional protection against large claims. Their service area encompasses Sioux Falls and the surrounding region. The team maintains ongoing relationships with clients, following up after policy reviews to address any changes in personal or business needs between regular visits.

GP
200 S Petro Ave Suite 106
Great Place Insurance (Formerly Insurance Express Agency, LLC) -- Sioux Falls, SD
Umbrella Insurance Agent · Sioux Falls, SD

Great Place Insurance, formerly Insurance Express Agency, LLC, serves the Sioux Falls, SD area as a dedicated umbrella insurance agent. The agency focuses on offering supplemental liability protection that extends coverage limits beyond standard home and auto policies, helping clients safeguard their assets against major claims. This gap-filling layer of security is essential for homeowners and drivers in the region seeking additional peace of mind. As a local specialist, the company can also integrate commercial umbrella policies for small business owners requiring broader risk management.

MD
3701 W 49th St STE 203
Midwest Division Insurance Agency
Umbrella Insurance Agent · Sioux Falls, SD
(605) 274-7420
midwestdivision.com
PI
3130 W 57th St Unit 105
Plains Insurance Group
Umbrella Insurance Agent · Sioux Falls, SD
(605) 789-5898
plainsinsurancegroup.com
GI
2310 E 10th St
Garza Insurance Agency, LLC
Umbrella Insurance Agent · Sioux Falls, SD
(605) 271-7771
garzainsagency.com
GA
4310 S Technology Dr
Graber & Associates
Umbrella Insurance Agent · Sioux Falls, SD
(800) 669-3959
graberassoc.com
AS
2300 W 49th St
Acrisure Sioux Falls, SD (Fischer Rounds & Associates)
Umbrella Insurance Agent · Sioux Falls, SD
(605) 336-4444
acrisure.com
NC
3700 S Western Ave
North Central Insurance
Umbrella Insurance Agent · Sioux Falls, SD
(605) 339-4000
northcentralins.com
BI
232 E 12th St
Bechtel Insurance
Umbrella Insurance Agent · Sioux Falls, SD
(605) 336-6227
bechtelins.com
PI
3500 S Western Ave
Pillar Insurance Inc
Umbrella Insurance Agent · Sioux Falls, SD
(605) 336-0970
pillarins.com
SF
326 E 8th St #101
Sioux Falls Insurance
Umbrella Insurance Agent · Sioux Falls, SD
(605) 305-1300
siouxfalls-insurance.com
NI
4809 W 41st St
Nielsen Insurance Services Inc
Umbrella Insurance Agent · Sioux Falls, SD
(605) 361-8831
nielseninsuranceservices.com

What Does an a Umbrella Insurance Agent in Sioux Falls Cost?

In South Dakota, umbrella insurance typically costs between 150 and 350 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 million or 5 million dollars, may cost 300 to 800 dollars annually. Your actual premium depends on factors like your driving record, home value, and number of properties. This is general information, not insurance advice.

About umbrella insurance agents in Sioux Falls

An umbrella insurance agent in Sioux Falls, South Dakota helps you secure additional liability coverage that goes beyond the limits of your home and auto policies. South Dakota law requires minimum auto liability coverage of 25/50/25, but umbrella policies can provide extra protection for major claims. Local agents understand the risks specific to the region, such as winter driving accidents and recreational vehicle incidents.

Frequently Asked Questions

What does an umbrella insurance agent do in Sioux Falls?

An umbrella insurance agent in Sioux Falls helps you find a policy that provides extra liability coverage after your home and auto insurance limits are used up. They assess your personal assets and risk factors to recommend appropriate coverage levels. This is especially important in South Dakota where weather conditions can increase accident risks.

How much umbrella coverage do I need in South Dakota?

Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your assets and income. South Dakota has no limits on personal injury lawsuit damages, so higher coverage may be wise if you own a business or have significant savings. Your agent can help calculate a suitable amount based on your net worth.

Is umbrella insurance required by law in South Dakota?

No, umbrella insurance is not required by South Dakota law. However, it is a common recommendation for those who want extra protection beyond the state minimum auto liability coverage of 25,000 dollars per person and 50,000 dollars per accident. It can also cover incidents not included in standard policies, like libel or slander.

Umbrella Insurance Agents in Other South Dakota Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.