Umbrella protecting a shield with a checkmark.

Extra Protection Beyond Your Policies

Umbrella Insurance

Sometimes accidents can cost more than your standard insurance policy covers. That’s where umbrella insurance comes in. Johannes Agency provides affordable umbrella policies for individuals and families, giving you added peace of mind when liability claims exceed your regular policy limits.

What’s Included in Umbrella Insurance Coverage

Umbrella insurance extends your liability protection, stepping in when your auto, home, or recreational policies reach their limits. Coverage typically includes:

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Excess Liability Protection

Adds an extra layer of coverage above your auto and homeowners liability limits.

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Personal Injury Claims

Extends to situations involving libel, slander, or defamation.

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Legal Defense Costs

Helps pay for attorney fees and court expenses if you’re sued.

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Property Damage Claims

Covers damage you or a family member are held responsible for.

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Worldwide Coverage

Protection doesn’t stop at Minnesota’s borders; umbrella policies follow you abroad.

When Umbrella Insurance Is Most Valuable

Recreational vehicle insurance at Johannes Agency goes beyond cars and trucks. We offer protection for:

  • Own a home with significant value.

  • Drive a car, motorcycle, or RV regularly.

  • Operate boats or recreational vehicles that carry higher risk.

  • Have teenage drivers on your auto policy.

  • Own rental property or multiple residences.

  • Want additional protection for your savings and future income.

Umbrella Insurance FAQs

Here are answers to some of the most common questions Minnesotans ask about umbrella insurance:

  • How much coverage does an umbrella policy provide?

    Most umbrella policies start at $1 million in extra liability coverage, with higher limits available. This added protection can help safeguard your assets in the event of a major claim.

  • Is umbrella insurance only for wealthy families?

    Not at all. Anyone who owns a home, drives regularly, or has assets they want to protect can benefit from umbrella insurance. It’s especially valuable if you could be exposed to large liability claims.

  • Does umbrella insurance cover everything?

    No. Umbrella insurance extends liability protection but won’t cover your own property damage or business-related risks. It’s meant to protect against lawsuits and claims that exceed your existing policies.

  • Is umbrella insurance expensive?

    Surprisingly, no. Because it only kicks in after your primary policy limits are exhausted, umbrella insurance is generally very affordable compared to the coverage it provides.

  • Do I need umbrella insurance if I already have high liability limits?

    Even if your homeowners or auto policies carry higher limits, umbrella insurance offers an extra cushion of protection at a relatively low cost. It’s a smart way to extend peace of mind.