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Umbrella Insurance Agents in Des Moines, WA

Looking for a umbrella insurance agent in Des Moines? Review the directory below to compare your options.

5 agents listed
Updated May 2026
Des Moines, WA
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 Washington before hiring.
Showing 5 umbrella insurance agents in Des Moines, WA Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Betsy Chavez - State Farm Insurance Agent
22760 Marine View Dr S Ste 102, Des Moines, WA 98198
(206) 878-4050 insurewithbetsy.com
Lee Thornton - State Farm Insurance Agent
22235 7th Ave S A, Des Moines, WA 98198
(206) 878-2520 agentlee.net
Sav-On Insurance
22815 Pacific Hwy S, Des Moines, WA 98198
(253) 785-8317 sav-on.com
Farmers Insurance - Tony Davidson
22608 Marine View Dr S #200, Des Moines, WA 98198
(206) 870-0770 agents.farmers.com
Des Moines Medicare Store
22307 Marine View Dr S, Des Moines, WA 98198
(206) 209-2282 dmmlocal.com

An umbrella insurance agent in Des Moines Washington helps you secure additional liability coverage beyond your auto and homeowners policies. Washington state law requires minimum liability limits for drivers, but an umbrella policy can cover claims that exceed those limits. Local agents understand the specific risks faced by residents in King County, including waterfront properties and boating liabilities.

What Does a Umbrella Insurance Agent in Des Moines Cost?

In Washington, umbrella insurance typically costs between 150 and 300 dollars per year for one million dollars of coverage. Higher limits of two to five million dollars may cost 300 to 600 dollars annually. Your actual cost depends on your risk factors, claims history, and the underlying policies you hold. This is general information and 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 an umbrella insurance agent in Des Moines do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides extra coverage above your existing insurance. They assess your assets and risks to recommend a coverage amount that fits your needs. In Washington, umbrella policies typically start at one million dollars in coverage.
How much umbrella insurance do I need in Washington?
The amount of umbrella insurance you need depends on your assets and potential liability risks. Many Washington agents suggest coverage equal to your net worth or more. Common limits are one million to five million dollars, but your agent can help you decide.
Can I get umbrella insurance if I have a rental property in Des Moines?
Yes, umbrella insurance can cover liability from rental properties you own in Des Moines. Washington state law does not require umbrella coverage for landlords, but it can protect you from lawsuits related to tenant injuries or property damage. Your agent will review your rental property details to ensure proper coverage.