Umbrella Insurance

Get your free umbrella insurance quote from Insurance Brokers of MN. Call 1-877-323-3314 for more information. We're located in 35 locations across the state of MN to serve you!

Minnesota Umbrella Insurance

They Want More Because You Have More

You’ve worked hard to get to where you are.  If you are in an accident or an accident happens at your home, you generally will have to take responsibility for it.  You are also responsible for the costs to make it right.  That’s liability in a nutshell!  Contact Insurance Brokers of MN today 1-877-323-3314 for your free umbrella insurance quote!

Being responsible for liability is how and why law suits happen and those million dollar settlements.

In our society, three things work against you:

  • It cost nothing to initiate a lawsuit
  • Juries and judges are unpredictable
  • Defending yourself costs enormous sums of money

One other factor also comes into play. They want more because you have it.

A long time ago, you decided to arrive. You worked hard and got there. As you did, you accumulated possessions. Not an ostentatious amount, but enough to make you and your loved ones comfortable.

You are proud of these accomplishments. In fact, you have protected them with the best insurance you could.

Now you need extra protection, an umbrella insurance policy.

What are your limits on your auto and home liability policies? $300,000? $500,000?

An average homeowner with a standard homeowner insurance policy could be forced into selling their home or have their wages and savings taken away to pay for a liability settlement.  That is where Umbrella Insurance can help!

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It’s not enough.

You get into an auto accident; someone falls into your pool; whatever the fluke occurrence – you can be sued. What if you are sued and the award goes to the plaintiff? Okay, you say, the insurance will cover it. But what if the amount is over the policy limits? (That happens, especially if you have nice things.)

How will you pay the judgment? How will you even defend yourself in such a lawsuit? Can you actually lose all you have strived for?

You bet you can.

You need protection that will rev up after the other policy limits are exhausted. You need Minnesota umbrella insurance protection.

One of the most common statements we hear in the insurance industry from our clients when discussing umbrellas is “I’m not worth that much so I don’t need an umbrella” or “that would never happen to me”. Well guess what….you don’t have to be a wealthy client to be exposed to million plus dollar lawsuits and you certainly aren’t exempt from it happening to you. It takes one split second to lose what you’ve spent a lifetime building.

Take a look at the following examples.  This is why you need an umbrella or high limits for your protection:


AZ: $5MM / Adult son living at home drove his father’s car over a median, hit a car with four people in it, and then veered into the sidewalk and killed a pedestrian
CA: $7.725MM / Insured’s son DUI / Went through a red light, struck a motorcyclist and caused life-long injuries
FL: $10MM / Insured lost control of car and hit a tree / He was killed and his passenger received burns on over 65% of her body
GA: $5MM / Insured took vehicle out of gear and applied the emergency brake / Left the vehicle to retrieve keys from her house / Vehicle rolled down the driveway and across the street, hitting two 3-year-olds, a 6-year-old and an 8-year-old and all sustained serious head injuries
NJ: $10MM / Insured had a heart attack while driving / Crossed the divider, hit another car head on, and all five people involved in the accident were killed

Contact us 1-877-323-3314, a seasoned insurance professional at Insurance Brokers of MN. Discover how a small cost provides you with gigantic protection.

Insurance Brokers of MN

At Insurance Brokers of MN we have provided umbrella protection for people in Minnesota since 1998. We know how to protect your assets. Now you will too!

Complete our quote form today for a free, no obligation umbrella protection quote. Don’t spend another sleepless night riddled with anxiety about losing all you have. Take out an umbrella!

Agents located in: Anoka, Ada, Altoona, WI, Bemidji, Blaine, Brandon, Brooklyn Center, Buffalo, Burnsville, Byron, Coon Rapids, Cambridge, Cannon Falls, Dawson, Duluth, Forest Lake, Graceville, Grand Forks, Ham Lake, Hermantown, Hudson, Inver Grove Heights, Isanti, Jordan, Lino Lakes, Little Falls, Medina, Minneapolis, Pequot Lakes, Princeton, Ramsey, Redwood Falls, Rogers, Richfield, St Cloud, St Paul, Thief River Falls, Vadnais Heights, Waconia, Wheaton

Want to find an agent near you?

If you would like more information on Personal Risk Management, you can call us at 1-877-323-3314, or fill out the quote form and we’ll contact you.