Umbrella Insurance · Minnesota
A serious car accident, a lawsuit from an injury on your property, or a social media claim can easily exceed the liability limits on your auto or homeowners policy. A personal umbrella policy adds $1 million or more in additional protection — and typically costs less than $200 a year.
What's Covered
A serious car accident, a lawsuit from an injury on your property, or a social media claim can easily exceed the liability limits on your auto or homeowners policy. A personal umbrella policy adds $1 million or more in additional protection — and typically costs less than $200 a year.
If you're at fault in a serious accident and your auto liability limits are exhausted, the umbrella kicks in — covering judgments, settlements, and legal defense costs up to your umbrella limit.
Extends your home liability limits if someone is injured on your property and sues for more than your homeowners policy covers. Pool accidents, dog bites, and slip-and-falls are common triggers.
Umbrella policies often cover personal liability claims that home and auto don't — including libel, slander, defamation, and invasion of privacy claims. Important in the social media era.
If you own rental property, your umbrella can extend coverage above your landlord policy's liability limits. Often required by lenders on investment properties.
Even when a lawsuit is frivolous, defending it is expensive. Umbrella policies typically pay legal defense costs in addition to liability limits — not reducing the amount available to pay a judgment.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We work with many of the top A-rated carriers in Minnesota — so we're always looking for your best option, not pushing a single company's product.
You work directly with a licensed Minnesota producer — not a call center — from your first quote through every renewal and every claim.
We tell you what we find, walk you through the options honestly, and let you decide. No fee for a quote, no obligation to switch.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Anyone with assets worth protecting — a home, retirement savings, a future income stream. Umbrella coverage is especially important if you have a pool, a dog, teenage drivers, rental property, or a high public profile.
A common rule of thumb is to carry at least as much umbrella coverage as your total net worth — and ideally more, since future income can also be at risk in a lawsuit. We can walk you through the calculation.
Generally no — personal umbrella policies exclude business activities. If you run a business, you need commercial general liability coverage. Some home-based business exposures can be added by endorsement, but it varies by carrier.
Yes. Most carriers require minimum limits on your auto and home policies before an umbrella attaches — typically $250,000/$500,000 on auto and $300,000 on homeowners. We'll make sure everything is properly stacked.
