Saint Paul has 307,284 residents in 125,249 households. We list 19 agencies for umbrella insurance in Saint Paul. Here is what the local numbers say about the cover people here need.

Saint Paul at a glance

19umbrella insurance agencies listed
47.1%of households rentRenters insurance
$294,500median home valueHome insurance
1952median year homes were builtRebuild cost calculator
13%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 Ramsey County

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

HailRelatively 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 Saint Paul
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Saint Paul
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
Winter weatherRelatively High
Strong windRelatively 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 Saint Paul

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

Insurance companies Saint Paul agencies work with

Of the 19 Saint Paul agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers14 agencies
Mercury9 agencies
Travelers (Standard Fire)9 agencies
Nationwide7 agencies
Liberty Mutual6 agencies
Safeco6 agencies
The Hartford6 agencies
Chubb5 agencies
Chubb (ACE)5 agencies
Foremost5 agencies

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

Where Saint Paul agencies are

Saint Paul agencies we list sit in 9 ZIP codes, mostly in Ramsey County.

551135 agencies
551123 agencies
551243 agencies
551022 agencies
551282 agencies
551171 agency
551181 agency
551221 agency
551291 agency

Questions

Umbrella insurance in Saint Paul

All insurance agencies in Saint Paul · Umbrella insurance across Minnesota

Where can I find umbrella insurance in Saint Paul?

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 Saint Paul agencies work with?

Among the 19 Saint Paul agencies whose appointments we hold, the companies they are most often appointed with are Travelers (14), Mercury (9), Travelers (Standard Fire) (9), Nationwide (7), Liberty Mutual (6). An appointed agency can quote that company's policies.

Do I need flood insurance in Saint Paul?

FEMA's National Risk Index rates inland flooding risk in Ramsey 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 Saint Paul

For insurance agencies

Is your Saint Paul agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing