Umbrella Insurance · St. Louis Park, MN
A serious car accident or lawsuit can easily exceed the liability limits on your auto or homeowners policy. A personal umbrella policy adds $1 million or more in additional protection above your existing coverage — and typically costs less than $200 a year. We compare multiple carriers to find the best rate for St. Louis Park residents.
What's Covered
A serious car accident or lawsuit can easily exceed the liability limits on your auto or homeowners policy. A personal umbrella policy adds $1 million or more in additional protection above your existing coverage — and typically costs less than $200 a year. We compare multiple carriers to find the best rate for St. Louis Park residents.
Dayton Insurance Agency serves clients throughout St. Louis Park and Hennepin County. An inner-ring suburb west of minneapolis with a dense, walkable character, a mix of apartments and single-family homes, and a growing commercial and restaurant scene, St. Louis Park is a community we know well. Whether you're looking for competitive rates or need help after a claim, we're available by phone, text, or email — Mon–Fri 9–5.
If you're at fault in a serious accident and your auto liability limits are exhausted, the umbrella kicks in — covering judgments, settlements, and defense costs up to your umbrella limit.
Extends your home liability limits if someone is injured on your property and a judgment exceeds your homeowners coverage. 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, and defamation claims. Important in the social media era.
Umbrella policies typically pay legal defense costs in addition to liability limits — not reducing them. Even defending a frivolous lawsuit can cost tens of thousands of dollars.
If you own rental property in or near {city}, your umbrella can extend coverage above your landlord policy's liability limits.
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, future income. Umbrella coverage is especially important if you have a pool, a dog, teenage drivers, or rental property.
At least as much as your total net worth — often $1M to $5M. Future income can also be at risk in a lawsuit, so carrying more than your current net worth is reasonable.
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 make sure everything is properly stacked.
Very. Most households in the Twin Cities pay $150–$300 per year for $1 million in umbrella coverage. The premium-to-protection ratio is one of the best in insurance.
