Umbrella Insurance in Minnesota – Extra Protection When You Need It Most
Your standard auto or home policy may not cover everything. If a serious accident or lawsuit exceeds your liability limits, you could be left paying the difference out-of-pocket. Umbrella insurance provides an extra layer of protection, giving Minnesota families peace of mind knowing their assets, savings, and future income are safeguarded.
What Umbrella Insurance Covers
Extra Liability Coverage
Extends beyond the limits of your home, auto, or other policies.
Lawsuit Protection
Covers legal fees, court costs, and settlements in the event of a major claim.
High-Value Asset Protection
Ideal if you own significant savings, property, or retirement funds you want to protect.
Personal Coverage Gaps
Can cover situations like libel, slander, or other claims not fully addressed by standard insurance.
Why Umbrella Insurance Matters in Minnesota
Even a single accident can lead to hundreds of thousands — or even millions — in damages. Without umbrella coverage, anything beyond your policy limits could come directly from your personal finances. For example:
- If your auto liability limit is $250,000 but you’re responsible for $1 million in damages, you could owe $750,000 out of pocket.
- A serious lawsuit could threaten your retirement savings or future earnings.
Umbrella insurance is designed to prevent that financial risk. It’s not only for the wealthy — it’s smart protection for anyone with a home, savings, or future income to protect.
Protect More with Carver Insurance Group
At Carver Insurance Group, we help Minnesota families in Carver, Chaska, Shakopee, and Chanhassen determine if umbrella insurance is the right fit. We’ll explain your options clearly and find affordable policies that give you extra peace of mind.
