Minneapolis has 427,246 residents in 192,734 households. We list 22 agencies for umbrella insurance in Minneapolis. Here is what the local numbers say about the cover people here need.

Minneapolis at a glance

22umbrella insurance agencies listed
52.3%of households rentRenters insurance
$362,200median home valueHome insurance
1951median year homes were builtRebuild cost calculator
15.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Hennepin County

FEMA rates the overall natural hazard risk in Hennepin County, where most Minneapolis agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Minneapolis
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Minneapolis
Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Minneapolis
Winter weatherVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Minnesota

Minnesota requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $10,000 of property damage liability, often written 30/60/10. It also requires personal injury protection ($40,000), uninsured motorist coverage ($25,000 per person, $50,000 per accident) and underinsured motorist coverage ($25,000 per person, $50,000 per accident). Minnesota is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Minneapolis How much liability cover do you need?

Source: revisor.mn.gov. Checked 2026-10-24.

Insurance companies Minneapolis agencies work with

Of the 22 Minneapolis agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers15 agencies
Chubb11 agencies
The Hartford10 agencies
Liberty Mutual9 agencies
Employers8 agencies
Travelers (Standard Fire)8 agencies
AmTrust7 agencies
Liberty Mutual (Safeco)7 agencies
Nationwide7 agencies
Progressive7 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Minneapolis agencies are

Minneapolis agencies we list sit in 15 ZIP codes, mostly in Hennepin County.

554354 agencies
554473 agencies
554022 agencies
554392 agencies
554011 agency
554061 agency
554131 agency
554141 agency
554161 agency
554221 agency
554261 agency
554331 agency
554341 agency
554461 agency
554491 agency

Questions

Umbrella insurance in Minneapolis

All insurance agencies in Minneapolis · Umbrella insurance across Minnesota

Where can I find umbrella insurance in Minneapolis?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Which insurance companies do Minneapolis agencies work with?

Among the 22 Minneapolis agencies whose appointments we hold, the companies they are most often appointed with are Travelers (15), Chubb (11), The Hartford (10), Liberty Mutual (9), Employers (8). An appointed agency can quote that company's policies.

Do I need flood insurance in Minneapolis?

FEMA's National Risk Index rates inland flooding risk in Hennepin County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Umbrella insurance near Minneapolis

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